this is one of the better calculators: https://nextcard.com/tools/bilt-calculator
the sweet spot is where your spending naturally aligns with the amount of your rent/mortgage. e.g. if your rent is $2000 and your organically spend $2000 a month, then bilt 2.0 is unbeatable. but if you spend 50% or 200%, then other credits cards will be better. they are banking on people not doing the math and that's how they'll make money. bilt 1.0. was famously unprofitable.
the sweet spot is where your spending naturally aligns with the amount of your rent/mortgage. e.g. if your rent is $2000 and your organically spend $2000 a month, then bilt 2.0 is unbeatable. but if you spend 50% or 200%, then other credits cards will be better. they are banking on people not doing the math and that's how they'll make money. bilt 1.0. was famously unprofitable.
Statistics: Posted by bling — Thu Jan 29, 2026 12:36 pm — Replies 5 — Views 198