Calculator

Spend Settings

Housing →

🏰 $5k $4k $3k $2k $1k ⛺ $0

🤐 $0 $1k $2k $3k 🤑

Everyday Spend →

Monthly Housing

Monthly Everyday Spend

Card Selection

Blue $0

Obsidian* $95

Avg X 2.0X

Palladium $495

Reward Option

Housing-only

Flexible

Bilt Cash Value $0.50

Hotel Value for You

$100

$300

$400+

Results (Detail Calculation)

1 Monthly Points

Everyday Points $500 × 2X 1,000

Housing Points $2,500 × 0X (min 250) 250

2 Bilt Cash (Flexible)

Bilt Cash Earned $500 × 4% $20.00

→ Unlocks Housing Pts $20 ÷ $3 × 100 667 pts

Bilt Cash Used 667 ÷ 100 × $3 -$20.00

Remaining Bilt Cash $20 - $20 $0.00

3 Annual Totals

Annual Points (1,000 + 667) × 12 20,000

Points → Cash Value 20,000 × $0.015 $300

Annual Remaining Bilt Cash $0 × 12 $0

4 Final Value

Points Value $300

+ Remaining Bilt Cash +$0

+ Annual Benefits Hotel $400 + Cash $200 +$600

− Annual Fee Palladium −$495

= Annual Total Value $300 + $0 + $600 − $495 $405

+ Welcome Bonus (First Year Only)

Bonus Cash Palladium signup +$300

Bonus Points 50,000 pts × $0.015 +$750

Total Welcome Bonus +$1,050

First Year

$1,455

$405 + $1,050 bonus

Year 2+

$405

Annual recurring value

Spend Ratio 20.0%

Housing-only Multiplier 0X

Card Comparison (Annual)

You can switch between options monthly in the Bilt App

Decision Flowchart by u/cryoK

"Please, just use one of the calculators. They will do the math for you."

— u/Black6x 👉 PLEASE CHECK ONE OF THESE CALCULATORS

BILT 2.0 Card Strategy

Spend Settings

Card Selection

Reward Option

Hotel Value for You

Results (Detail Calculation)

Card Comparison (Annual)

Decision Flowchart by u/cryoK

Other Bilt Calculators

Bilt Card Helper

Spend Settings

Card Selection ? *Obsidian multiplier:Travel 2X, Dining/Grocery 3X, Other 1X→ Averaged to 1.5X for calculation

Reward Option ? Housing-only: Auto 0X~1.25X multiplier based on spend ratioFlexible Cash: Earn 4% Bilt Cash on everyday spend, use to unlock max 1X housing points

Hotel Value for You ?

Results (Detail Calculation)

Card Comparison (Annual)

Decision Flowchart by u/cryoK

Other Bilt Calculators

Bilt Card Helper

Card Selection

Reward Option

Hotel Value for You