Need help with Bilt Cash
I need some help with Bilt Cash accumulation and such. I know only $100 will carry over.
I understand we got $300 boost for the first year which won't be there next year but I'd like to keep $100 for a left over. I ran some numbers based on below data and feel like I'll have upwards of $1000 Bilt cash.
i have Bilt Palladium Card and already made Gold. I plan to use $100 BC with each hotel credit.
Current Bilt cash $549
Rent $2,360
Monthly 3% Rent Fee $70.8
Monthly Everyday Spend $2,084
Monthly Bilt Cash $83.36
Monthly Bilt Cash surplus: $12.56
Yearly Everyday Spend $25,000
I'm 500 points away from 25k points so another $50 Bilt cash gained.
I'm planning to use points accelerator cuz it'd make sense. it'll pay for itself with $5k spend at 4% bilt cash.
I don't go to Walgreens or use Lyft or any of the other ways to redeem bilt cash. I CARE more about points than the bilt cash. I thought of reducing Everyday spend to 75% of rent but It'll divert my points too.
Can you someone please run numbers or share a calculator to help me out?
Posted Apr 4, 2026, 1:13 PM UTC