Re:Is Bilt 2.0 worth it?
by tart-lemonade on Tuesday January 27, 2026 @08:16PM
(#46789732)
After using this I'm even more confused. For what I spend in a month, there is zero upside to using it for rent: if this calculator is correct, every $100 of the first $800 I spend on rent reduces the net value by $10. I thought this was supposed to be suited towards paying rent, not towards not paying rent!
In fact, with the $495/year fee card, all you need to break even is $50/mo on travel. If this calculator is correct, I find it hard to believe that would pencil out for Column N.A. considering I'm getting $600/year in annual credits. Assuming there's no monthly spend requirement and I can just get the rewards with one month of purchasing, all I need to do is buy 6 month-long CTA passes and I'm already up $155 for the year (and that's ignoring the $1400 welcome bonus).
In fact, with the $495/year fee card, all you need to break even is $50/mo on travel. If this calculator is correct, I find it hard to believe that would pencil out for Column N.A. considering I'm getting $600/year in annual credits. Assuming there's no monthly spend requirement and I can just get the rewards with one month of purchasing, all I need to do is buy 6 month-long CTA passes and I'm already up $155 for the year (and that's ignoring the $1400 welcome bonus).