The Deuce: TTMLIF -> the benefit is you can get points for your mortgage but you are locked in to

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TTMLIF -> the benefit is you can get points for your mortgage but you are locked in to

Posted by CoronaTheirAss

on September 7, 2026, 10:18:41, in reply to "Any points and miles dorks here use Bilt?"

using their cards?

You can get a Robinhood Gold credit card that gives 3% cash back. Would Bilt ever be better than that?

Previous Message

Considering opening the card to pay my mortgage (up to 1.25 pts/$) and they seem to have lots of transfer partners as well. But the system they have looks overly complicated on how you actually earn and use points.

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Message Thread | This response ↓

Any points and miles dorks here use Bilt? - ATL September 6, 2026, 16:22:15

What if you don't have a mortgage? - EffinIllini September 8, 2026, 10:32:42
- I think the mortgage thing is the big selling point over Amex or Chase. But Bilt also has a wide - ATL September 8, 2026, 10:41:34
TTMLIF -> the benefit is you can get points for your mortgage but you are locked in to - CoronaTheirAss September 7, 2026, 10:18:41

i only use bilt for my mortgage related expenses and enough everyday spend to get the 1.25x - Ari Gold September 7, 2026, 13:41:07
Can't compare to Robinhood Gold and not sure what you mean by "locked in to their card". My plan is - ATL September 7, 2026, 11:42:14
- Are you limited to one "real estate" payment per month or would this work for a HELOC too? - Dilbert September 7, 2026, 11:49:58
  - On the daycare payment thing, the Thrifty Traveler podcast guy does exactly that. - ATL September 7, 2026, 19:26:24
  - AFAIKT not limited. My evidence is that you can pay multiple mortgages via the system.* - ATL September 7, 2026, 11:56:04
    - correct.* - Ari Gold September 7, 2026, 13:31:59
You dont have to use their card for everything, if there are better options for you - Dilbert September 7, 2026, 11:28:15
- correct. it’s not only 1.25x, but no fees!* - Ari Gold September 7, 2026, 13:42:38

yes. it's awesome, the transfer options to alaska (american) and hyatt are great. - Ari Gold September 7, 2026, 10:13:25
I have it. - nash September 6, 2026, 19:04:51
- yeah, bilt cash kind of sucks outside of the hotel, lyft, and walgreens credit. - Ari Gold September 7, 2026, 10:16:02
  - lol yeah if I hit NYC I’m totally doing Blade. - nash September 7, 2026, 12:22:35
    - that’s why i don’t do the bilt cash option. just getting the minimum is too much for me!* - Ari Gold September 7, 2026, 13:27:51
This being Bilt* - Sammich September 6, 2026, 18:59:12
- Acknowledged.* - complainant September 6, 2026, 19:29:50

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