Like a lot of people over the past week, I asked myself that question. After an embarrassingly long time searching, reading X/Reddit and watching TikToks on the subject, I walked away more confused than informed.
What used to be a no-brainer credit card with Bilt 1.0, suddenly became a big-brained endeavor with Bilt 2.0.
Before: “Pay rent, get points.” Now: “Calculate your spend-to-rent ratio, Use Bilt Cash to offset your rent/mortgage fees (huh?), Choose multiplier tiers, etc...”
So I built myself an app.
https://is-bilt2-for-me.pages.dev
Read the full in-depth post on my newsletter Chaos Theory! https://alexchao.substack.com/p/is-bilt-20-worth-it
If the app is helpful to you or a friend, please share it!