I think bankrate.com calculates the value of a Bilt point as 1.1 cents, which is not great but more than the $0.00 from anywhere else. So I have mine set up for paying rent (the "pull straight from a bank account" option is welcome, as it saves the credit limit in case I need the full amount), do a few other smaller purchases with the card during the month to hit the five-transaction requirement to earn points from rent, and use Citi DoubleCash and Wells Fargo Active Cash for everything else.