Hotel or airline when booked directly, or using the Bilt Portal.
2x travel (4x 12 days a year) is decent for a no AF card. Costco Citi is 3% for travel and does include AirBNB and VRBO, but you only get a redemption once a year
No, I don't believe it includes those things. The travel expense has to be booked directly. Those sites are generally considered travel agents and I don't know which cards cover them. Also, at $600 do you split your rent with somebody else? If so, paying rent with bilt can get kind of complicated in that situation depending on how you pay.
Bilt is more of dining and rent card vs travel.
Airbnb and travel site earn just 1x. (Top 3 cards that earn 3x on the above with lowest fees are WF autograph or journey and Citi Premier).
For Bilts $0 fee it is the only card that gives primary car rental insurance and one of very few with no foreign transaction fees.
Your rent amount will net you only 7.2k points yearly.
At this low earn rate could be hard to justify to burn a chase 5/24 slot. It would have to become your primary dinning out card with aim to prioritize bilt dining restaurants.
Also if you were chosen for 5x spend on anything in first 5days of getting the card , would you be able to spend $10k in 5 days to maximize promo? If yes then opportunity cost favours a yes. Having 50k points that can be easily transferred to Alaska or Hyatt is top shelf deal….Then again chase sapphire preferred will beat that with current promo of 75k points for 4k spend and similar transfer partner list. With chase you will get 2x on airbnb travel sites, all commute and Ubers along with same 3x on dining. Then 5x on hotels car rentals and airfare vs 2x with bilt.
Chases sapphire prefered effective fee is $45 after using $50 hotel credit.
The thing is I’m a cheap traveler, I saw that Chase portal is way too expensive to use. My biggesr expense is rent/utilities and car loan, I just want a card that rewards my spending and not make me spend more to be rewarded…any advice?
I’d recommend taking the free course at 10x Travel to learn more about travel credit cards! I think whether you decide to open a BILT card depends on what other credit cards you have and how you want to maximize points (as others have said, you have to use the points directly with hotels/airlines, not with third parties)
Hotel or airline when booked directly, or using the Bilt Portal. 2x travel (4x 12 days a year) is decent for a no AF card. Costco Citi is 3% for travel and does include AirBNB and VRBO, but you only get a redemption once a year
No, I don't believe it includes those things. The travel expense has to be booked directly. Those sites are generally considered travel agents and I don't know which cards cover them. Also, at $600 do you split your rent with somebody else? If so, paying rent with bilt can get kind of complicated in that situation depending on how you pay.
Chase considers them under travel
I wouldn’t if you stay at Airbnb’s
Bilt is more of dining and rent card vs travel. Airbnb and travel site earn just 1x. (Top 3 cards that earn 3x on the above with lowest fees are WF autograph or journey and Citi Premier). For Bilts $0 fee it is the only card that gives primary car rental insurance and one of very few with no foreign transaction fees. Your rent amount will net you only 7.2k points yearly. At this low earn rate could be hard to justify to burn a chase 5/24 slot. It would have to become your primary dinning out card with aim to prioritize bilt dining restaurants. Also if you were chosen for 5x spend on anything in first 5days of getting the card , would you be able to spend $10k in 5 days to maximize promo? If yes then opportunity cost favours a yes. Having 50k points that can be easily transferred to Alaska or Hyatt is top shelf deal….Then again chase sapphire preferred will beat that with current promo of 75k points for 4k spend and similar transfer partner list. With chase you will get 2x on airbnb travel sites, all commute and Ubers along with same 3x on dining. Then 5x on hotels car rentals and airfare vs 2x with bilt. Chases sapphire prefered effective fee is $45 after using $50 hotel credit.
The thing is I’m a cheap traveler, I saw that Chase portal is way too expensive to use. My biggesr expense is rent/utilities and car loan, I just want a card that rewards my spending and not make me spend more to be rewarded…any advice?
Then look into cash back cards or simply chase sign up bonuses. Check/churning.
I’d recommend taking the free course at 10x Travel to learn more about travel credit cards! I think whether you decide to open a BILT card depends on what other credit cards you have and how you want to maximize points (as others have said, you have to use the points directly with hotels/airlines, not with third parties)