| Note: I’ve updated this post to include all the details we’ve learned since launch, and to incorporate answers to the most common questions I’ve received. |
Bilt has announced massive changes. This includes a new portfolio of three credit cards — the no annual fee Bilt Blue Card, $95 annual fee Bilt Obsidian Card, and $495 Bilt Palladium Card — plus a new system for paying rent and mortgages.
Central to the concept of being able to pay rent and mortgages while earning points is Bilt Cash, which is a Bilt currency separate from points. In this post, I’d like to go over the details. The reality is that there are still more questions than answers about Bilt Cash, though I’d like to cover what we do know.
In this post:
How can members earn Bilt Cash?
There are two main ways that Bilt Cash can be earned, as it’s based on how many total points you rack up, and it’s also based on how much you spend on a Bilt credit card.
The first is that members can earn $50 in Bilt Cash for every 25,000 Bilt points earned. It doesn’t matter how those points are earned, and of course Bilt Cash is in addition to whatever Bilt points you ordinarily rack up.
The second is that Bilt Cash can be earned with all three Bilt credit cards. So not only do the cards earn points, but they also earn Bilt Cash:
- The no annual fee Bilt Blue Card earns 1x points + 4% back in Bilt Cash on everyday purchases, plus a welcome bonus of $100 in Bilt Cash
- The $95 annual fee Bilt Obsidian Card earns 3x points on your choice of dining or groceries (on up to $25K of spending per year), 1x points on all other purchases, and 4% back in Bilt Cash on all purchases, plus a welcome bonus of $200 in Bilt Cash
- The $495 annual fee Bilt Palladium Card earns 2x points + 4% back in Bilt Cash on everyday purchases, plus a welcome bonus of $300 in Bilt Cash, plus $200 in Bilt Cash every year on an ongoing basis (this is the obvious choice to apply for)
As you can see, all Bilt credit cards will earn 4% back in Bilt Cash on all spending. Bilt Cash is valid through December 31 of the year in which it’s earned, though up to $100 in Bilt Cash can be carried over to the next calendar year.
How can members redeem Bilt Cash?
The ability to redeem Bilt Cash is expected to launch in February 2026. Let me just directly quote Bilt’s website and app when it comes to how Bilt Cash can be redeemed:
Starting in February, use your Bilt Cash toward what matters most to you — as dollar-for-dollar value or one-time access to status upgrades.
- Unlock points on housing payments (Bilt Card 2.0 exclusive benefit)
- Hotel credits
- Lyft credits
- Dining credits
- Home Delivery credits
- Fitness credits
- Bilt Collection credits
- Unlock higher transfer bonuses
- Unlock access to Home Away from Home hotels
- Unlock early access to Experiences
Keep in mind that with the changes we’re seeing to Bilt, the ability to pay rent or mortgages using a Bilt credit card while earning points and not paying a fee is tied to Bilt Cash. Specifically, every $30 in Bilt Cash can unlock up to 1,000 points on rent or mortgages. As an example:
- If you spent $15,000 on a Bilt card, you’d earn $600 in Bilt Cash (since you earn 4% back in Bilt Cash on all spending on all cards)
- $600 in Bilt Cash would allow you to earn $20,000 in fee free rent or mortgage payments, while earning 1x points
Basically, if you want to be able to pay your rent or mortgage without fees, you’ll need to spend an average of 75% as much as your payment to rack up sufficient Bilt Cash to cover the cost (this doesn’t include things like Bilt Cash as part of welcome bonuses, etc.). You can also use Bilt Cash to partly offset the cost of your rent or mortgage payment, while paying a 3% fee for any remaining amount (which probably isn’t a great deal).
There’s a lot we don’t know about Bilt Cash
All three Bilt credit cards, including the Bilt Blue Card, Bilt Obsidian Card, and Bilt Palladium Card, will earn 4% Bilt Cash on spending, in addition to the standard rewards. Bilt of course markets how you can use that Bilt Cash to earn rewards on your rent or mortgage without paying fees, since that’s one of the primary selling points of the Bilt ecosystem.
However, if this is half as lucrative as it sounds, then it seems like there’s a better play here. If you can actually unlock Bilt Cash for “dollar-for-dollar value” for things like hotels and Lyft credits, well… that just sounds too good to be true, no?
It would mean the direct opportunity cost of paying your rent or mortgage with Bilt Cash is 3%, since you could otherwise use that credit for things that are a cash equivalent. If I had $100 in Bilt Cash, I’d rather have $100 in Lyft credits than essentially “buying” Bilt points for three cents each.
So what’s the catch here, because it can’t be this generous, can it? If I earn rewards plus 4% in Bilt Cash, even if it’s money that has to be spent through Bilt’s partners, that just seems unsustainably good, no?
Well, Richard Kerr, Bilt’s GM of Travel, recently explained this as follows (thanks to Ian for flagging this):
There will be monthly credits you can choose to redeem Bilt Cash for at a dollar for dollar value, but honestly we are still working on what we think these should be and what precedent we want to set. If something doesn’t work for you one month or you’ve already tapped out that redemption channel for the month, you will have plenty of other options to redeem your Bilt Cash on top of unlimited rent and mortgage payments to earn up to 1x points.
So my guess is that the catch is that there will be huge limits on the types of ways that you can redeem Bilt Cash. In other words, maybe Bilt Cash can only be redeemed in small increments toward larger purchases? Maybe something like redeeming $200 in Bilt Cash toward a hotel if it costs at least $2,000, or redeeming $10 in Bilt Cash toward a $50+ Lyft ride, or something like that?
We’ll have to mark this as “developing” for now, but I suspect there’s a catch here. Bilt obviously wants to incentivize people to use its portal and partners, but allowing a straight dollar-for-dollar redemption with no caps seems highly unlikely to me.
I fully agree with those people who have pointed out that this is a very strange way to launch a new card portfolio and program. Existing Bilt cardmembers need to decide by January 30 which card they want in order to have a seamless transition, yet we’ll only learn in February how Bilt Cash can be redeemed, which is a major part of the equation.
One thing is for sure — the new Bilt program is anything but straightforward, and I’m sure that complexity plus the vagueness of so many policies will be off-putting to some. I also find it somewhat misleading that Bilt is promoting the dollar-to-dollar value, without any caveat about how these redemptions will likely be highly restricted.
Bottom line
Bilt Cash is a currency that’s separate from Bilt points, and it’s increasingly important in the overall context of how Bilt is evolving with rent and mortgage payments. All Bilt credit cards will earn 4% Bilt Cash on spending (in addition to standard rewards), plus members can earn $50 in Bilt Cash for every 25,000 points earned.
Bilt Cash redemptions are expected to go live as of February 2026, and if you have a Bilt credit card, every $30 in Bilt Cash can unlock up to 1,000 points on rent or mortgages. But what’s interesting here is that Bilt Cash can also reportedly be redeemed “dollar-for-dollar” toward all kinds of other purchases, ranging from hotels, to Lyft credits.
There must be more to this story, since there’s no way that Bilt’s credit cards are earning 4% back through the Bilt ecosystem, in addition to the standard rewards. If Bilt Cash earned through Bilt’s credit cards can actually efficiently be redeemed for things other than rent or mortgage payments, then it’s not even worth paying your rent or mortgage that way, since you’re basically “paying” three cents per Bilt point.
That’s why I suspect that there will be restrictive caps on the ways Bilt Cash can be redeemed for these kinds of things, so that it’s still profitable for the company.
What do you make of the Bilt Cash concept, and how do you see this playing out?
Bilt is taking some regulatory risks by marketing a complicated product directly to consumers and making arguably some misleading statements publicly. They must be taking a lot of heat and getting unwanted attentions right now. I suspect we won't see Richard Kerr speaking publicly for Bilt on this product for a while.
How long they had to figure this out?
Sketchy af
Have they said whether there will still be rent days and tiered bonus transfers going forward?
@ Patrick -- Yep, Rent Day continues, and there will still be transfer bonuses, though we don't know details beyond that. Bilt claims you can even use Bilt Cash to access better Rent Day bonuses, so we'll see how that plays out.
Maybe it's more like a supermarket circular - different merchant offerings with varying restrictions that even they don't know ahead of time, if it's up to the merchants to decide. Trying to give them the benefit of the doubt.
This is the crux, for me. Very similar value prop to the VX or CSP with better transfer partners but a bigger hassle on the travel portal credits. On its own, the big differentiation is that you have the ability to earn an extra 1.33x per dollar up to 75% of your rent/mortgage spend in exchange for using the ACH intermediary (your rent/mortgage no longer go on a credit line). For people with rent/mortgage and...
This is the crux, for me. Very similar value prop to the VX or CSP with better transfer partners but a bigger hassle on the travel portal credits. On its own, the big differentiation is that you have the ability to earn an extra 1.33x per dollar up to 75% of your rent/mortgage spend in exchange for using the ACH intermediary (your rent/mortgage no longer go on a credit line). For people with rent/mortgage and that want a simple wallet, that is probably enough of a selling point to push part of the population there.
But where is the outsized value? What is in it for people that have neither a rent nor a mortgage? Bilt Cash seems to be the answer. The up-front proposition is that you have basically the VX and the One Key card in the same product and with both sets of rewards. But you all are right, it is going to be selective and capped in its use. Otherwise, it would make sense to not even bother with buying the rent points at $3 Bilt Cash/100 Bilt Points. So probably not going to be valued close to real cash. Do they have enough partnerships and levers to pull to make Bilt Cash feel like a big win? Could we consider it to be worth 50 cents on the dollar? We will see...and I personally will wait. There's time to jump in if the water is warm.
So when they claimed last week's leaks were "early draft concepts" (besides being 100% accurate) what they really meant is that they themselves haven't figured the details out yet.
I remember for the Bilt 1.0, HOA payments were also allowed in leu of rent payments (I never had the card, so this is just what I read). Will this also be possible for Bilt 2.0 in addition to mortgage payments?
@ InternationalTraveler -- It was always unofficial, so I hope that continues to be possible. We'll find out in the coming weeks. :-)
In correspondence to me, they identify my payment as an HOA payment. I don't know why they would shut people out now. They've made it clear you can do multiple rents/mortgages. There are no caps. I'm not sure how the economics work in the new model, but they don't seem afraid of multiple payments or big payments. So I imagine they will still allow them.
Too much is unknown and too much speculation about the Bilt Cash portion of their program. Bilt should have had the details ready at launch.
Everything so (over)complicated = core business model is unsustainable (we knew that already!)
Only a matter of time before Bilt 2.0 customers figure this out and jump ship
As one who no longer has a mortgage, I am waiting to see the specifics of the Bilt Cash before pulling the plug on the card. I can't imagine that the 4% earnings on credit card spend can be applied for unlimited travel credits. Then again, since Bilt Cash expires after a year, maybe they are banking on the fact that most people won't accumulate that much Bilt cash.
@ C.J. -- There are definitely going to be caps, so I think the assumption that you make it safe. Don't expect to be able to cash them out in a meaningful way toward travel purchases.
You mean they're not releasing a 5% back on everything no annual fee card? Probably a good bet, but that'd be cool
My sincere question is:
Can we use the bilt cash to offset the rent fees and make the payment via another card and use the bilt cash for an external card.
@ Nick -- No, the Bilt Cash can only be used to offset rent or mortgage payments with a Bilt credit card, and not with a third party card, unfortunately.
This is my conclusion: rent and mortgage payments do not earn you points AT ALL UNLESS you have and redeem sufficient amount of Bilt Cash (30 BC for every 1000 points). So if you have, say, $8000 in rent or mortgage monthly payment, you get nothing for paying with Bilt UNLESS you have 240 BC each and every month that you have to redeem to get the points. Please correct me if I'm am wrong....
This is my conclusion: rent and mortgage payments do not earn you points AT ALL UNLESS you have and redeem sufficient amount of Bilt Cash (30 BC for every 1000 points). So if you have, say, $8000 in rent or mortgage monthly payment, you get nothing for paying with Bilt UNLESS you have 240 BC each and every month that you have to redeem to get the points. Please correct me if I'm am wrong.
It sounds like Bilt is now trying to get people to put their spend on this card - it’s a bait and switch. They no longer want your rent or mortgage payments it seems. The Obsidian Card with $95 annual fee seems decent if the transfer partners and ratios remain the same but I suspect those will change too.
I cannot find in the T&Cs whether rent/mortgage payments earn any Bilt Cash - I assume they do not since Bilt is tryiing to get you to use the Bilt card on other spending.
Bilt just killed Bilt IMHO.
After reading your three posts on Bilt today, I'm not even convinced you get how it works.
Every time you use the card in addition to earning 1 or 2 points/$ that transfers to airlines and hotels you also earn 4 points/$ of Bilt Cash.
The app will also display how much Bilt Cash you've earned and you can use it to get discounts on stuff and at some restaurants pay for the whole meal.
If you don't want to mess with rent or mortgage that's pretty much it.
Chris, after Kerr’s AMA, I’m not sure BILT knows yet either… freaking WILD.
Can you clarify what specifically you are referring to?
Let me simplify, blit cash can be use dollar for dollar in saks fifth avenue
More like, Saks 125th Street… they just declared chapter 11 today… hope they survive, if only so I can keep using my $50 semi annual credits via our 4 Platinums.
This seem like pets.com? Losing money with every customer?
There is no way they will allow uncapped blit cash dollar for dollar to a vendor. That would make it almost like a 4% cashback in addition to 2x points. If it sounds too good to be true then it is.
The more realistic approach would be to limit the amount of blitz dollar capped per merchant like Lyft each month, or a rotating merchants with various promos you can do with your blit cash....
There is no way they will allow uncapped blit cash dollar for dollar to a vendor. That would make it almost like a 4% cashback in addition to 2x points. If it sounds too good to be true then it is.
The more realistic approach would be to limit the amount of blitz dollar capped per merchant like Lyft each month, or a rotating merchants with various promos you can do with your blit cash.
As an executive of blit, my goal would be to retain as much blit dollars within one’s account for as long as possible and get desperate merchants looking for traffic to pony up discounts which then allows me to drive my blit customers to them for a limit amount of time.
Or push people to pay “3% fee” for rent using bilt cash when you know they have negotiated rates far below that with cardless
If they nerf bilt cash it will encourage people to use other CCs such as Amex gold for dining/groceries after rent/mortgage has been covered. That's the exact opposite of what they want. They can still be profitable as is through breakage and a high volume of transaction fees.
This so far is the most interesting thing from the AMA - was not at all clear to me. More for the PhD required I suppose- basically I think it's just saying you can trade your Bilt Cash in for points with a cap of whatever you paid on your rent/mortgage.
"(and we know this is a point of contention) There is not a fee to pay your rent or mortgage. If your rent is...
This so far is the most interesting thing from the AMA - was not at all clear to me. More for the PhD required I suppose- basically I think it's just saying you can trade your Bilt Cash in for points with a cap of whatever you paid on your rent/mortgage.
"(and we know this is a point of contention) There is not a fee to pay your rent or mortgage. If your rent is $2500, you will pay your landlord $2500 through Bilt. There is no out of pocket fee. In this example, in order to earn up to 2500 points on your housing payment, you will redeem your Bilt Cash at a rate of $30 for 1,000 points. There is no minimum Bilt Cash required and no $30 increments required, if you earn $15 in Bilt cash you can earn 500 points that month (and so on and so forth) - or - you can redeem your Bilt Cash for something else you value more than up to 1X points on your housing payment like hotel, Lyft, fitness, dining credits. The decision on what value you want from your Bilt cash is entirely up to you."
Now I'm even more confused
Agreed. Kerr was a bit schizophrenic on that AMA... clearly, they're still working on it.
I think what they're trying to say is:
Use Bilt to pay any rent or mortgage via ACH. 0% transaction fee. By doing so, you unlock the ability to redeem Bilt Cash for Bilt Points at a $3 Bilt Cash : 100 Bilt Points ratio. Maximum redemption is the total amount of rent / mortgage paid.
Here's what the T&Cs say - so it's even more confusing, because it basically sounds like there's both a fee and non-fee option! Directly contradicting what Kerr said on Reddit. Bilt's lawyers will be up all night trying to clean up the mess caused by that AMA.
No transaction fee: Pay your rent or mortgage with no transaction fee. You may redeem Bilt Cash to unlock Bilt Points on your payment: every $3 of Bilt...
Here's what the T&Cs say - so it's even more confusing, because it basically sounds like there's both a fee and non-fee option! Directly contradicting what Kerr said on Reddit. Bilt's lawyers will be up all night trying to clean up the mess caused by that AMA.
No transaction fee: Pay your rent or mortgage with no transaction fee. You may redeem Bilt Cash to unlock Bilt Points on your payment: every $3 of Bilt Cash unlocks 100 Bilt Points, up to a maximum of 1 Point per $1 of your payment amount. You choose how much Bilt Cash to redeem each payment.
Max Points: Earn 1 Point per $1 on your rent or mortgage payment. A 3% transaction fee applies. Bilt Cash in your account is automatically applied to cover the transaction fee, though you may adjust this in the Bilt app. Any portion of the fee not covered by Bilt Cash is your responsibility.
BILT’s lawyers? Lol. I imagine a LLM and a monkey doing coke over at Bond St. at this point.
I think the way that melds together is this: you can pay your rent with no transaction fee and get no points. OR you have the option of paying your rent with the transaction fee (which you can cover with Bilt cash) to earn points. So you should have a choice - fee plus points or no fee with no points (although unless you need the extra time to make the payment, I'm not sure why you would bother paying your rent with a cc and not earning any points)
Your explanation might be right and its an either or not a slider.
The payment is an ACH. The reason to do it via the site is so you can change it month to month which might be necessary because after having applied I'm hearing that BC doesn't carry forward but expires monthly.
If true that's a big problem. Why charge a $10,000 purchase if you can't use the BC the following month?
I read that as them as offering the option to have your the amount of your rent/mortgage payment that earns points capped so you don't get hit with a fee and the rest presumably paid without earning points. The second option you earn points on your entire rent but if there isn't enough Bilt Cash you pay 3% on the shortfall.
A picture of the app would have made this clear.
Would certainly be nice to have more details before picking a card. If there's not significant marginal value on Bilt cash, then there's no reason other than the SUB to get the palladium. I can get get 2x transferable points on everyday spend w/ my Citi stack and I have plenty of hotel credits/free nights elsewhere.
I don't suppose hotels booked through the portal earn qualifying nights/hotel points? It's nice that Chase has added that
@ Zymm -- Typically they don't, unfortunately. And yeah, it's a bit odd to apply for a card before knowing all the details, but that's the reality here, and I think the sign-up bonus makes the choice obvious, at least.
This makes my head hurt. Might as well be in Japanese. Think I will just continue to pay my mortgage with my checking account.
X2
I'm so confused and they haven't even brought out the "semi-annually" language for Bilt Cash yet...
Paying with Bilt card gives 1x points on rent with the same 3% fee as a Venture X with 2x points.
I don't see how it makes sense for me to use any of these cards anymore. Am I missing something?
@ Reader F -- Because the fee can be offset with Bilt Cash, which is essentially monopoly money. If you pay rent with the Venture X, you'll be out of pocket 3%, and can't offset that fee with Bilt Cash.
Bilt has publicly stated that the core of their model is driving incremental sales for their retail partners, in particular those with high marginal gross margins and perishable merchandise such as empty tables at restaurants and unsold hotels rooms.
The revenue from this pays for the rent benefit which is why the earn rate for BC is higher, 4% than the cost for paying mortgage/rent at 3%. The idea is that cardholders will see this...
Bilt has publicly stated that the core of their model is driving incremental sales for their retail partners, in particular those with high marginal gross margins and perishable merchandise such as empty tables at restaurants and unsold hotels rooms.
The revenue from this pays for the rent benefit which is why the earn rate for BC is higher, 4% than the cost for paying mortgage/rent at 3%. The idea is that cardholders will see this pot of cash and feel the need to make use of it particularly since it goes away at the end of every year.
The idea is that the additional spending this creates wouldn't have otherwise happened for these merchants and the the profitability high enough (for some, close to 100% of the sale) that they'll pay Bilt handsomely for having created it.
So it’s a more complex coupon book?
Yes, like those coupon books that they used to sell, only with a lot more coupons.
Except that instead of a fixed fee to participate regardless of how many people use the discount the merchants pay a percentage of each sale. More important however is that the offers can be carefully tailored to generate incremental business without cannibalize existing sales.
The 1 or 2x points on the spend is a meet competition rebate. The...
Yes, like those coupon books that they used to sell, only with a lot more coupons.
Except that instead of a fixed fee to participate regardless of how many people use the discount the merchants pay a percentage of each sale. More important however is that the offers can be carefully tailored to generate incremental business without cannibalize existing sales.
The 1 or 2x points on the spend is a meet competition rebate. The Bilt Cash which allows you to offset the points earned from paying your rent/mortgage is a split of the fees from the merchant for drumming up incremental sales.
Had this same thought this morning. Even if it is something like 10 bucks off a $50 Lyft why would I instead use 10 bucks to get 3.3 points on rent? Only way it’s super useless would be if they basically only allow hotel redemptions at BAR. Nonetheless I don’t know how they make the math work if the base card is really a 5+% card.
i assume, at least for the hotel credit stuff, they view it as a good thing because they get a commission from portal bookings? so yeah you earn a lot on daily spend but then its going back into a method of payment that earns them a kickback. I imagine its similar with the restaurants they have partnerships with, and Lyft as well
@ Harold -- For sure they want people to book through the portal as they earn a commission, but if people are redeeming Bilt Cash to cover a majority of the cost, it definitely won't be profitable...
They've arrange the earning structure for Bilt Cash so that most cardholders won't be able to use it all up and will be looking for other uses.
That drives you to their website which is the whole point because at its core Bilts doesn't want to be a credit card, but a place where you buy services that you wouldn't have otherwise.
And a place where ALL of your transaction data lives. That is valuable
Bingo, there will be limits, coupons, etc. From Richard in the Bilt AMA:
"There will be monthly credits you can choose to redeem Bilt Cash for at a dollar for dollar value, but honestly we are still working on what we think these should be and what precedent we want to set. If something doesnt work for you one month or you've already tapped out that redemption channel for the month, you will have plenty...
Bingo, there will be limits, coupons, etc. From Richard in the Bilt AMA:
"There will be monthly credits you can choose to redeem Bilt Cash for at a dollar for dollar value, but honestly we are still working on what we think these should be and what precedent we want to set. If something doesnt work for you one month or you've already tapped out that redemption channel for the month, you will have plenty of other options to redeem your Bilt Cash on top of unlimited rent and mortgage payments to earn up to 1x points."
@ Ian -- Good find, thanks! Let me add reference to that in the post.
It's safe to say, the offer will never improve from the initial scheme, so use the $300 in sign-up Bilt cash ASAP on "dollar for dollar" charges to buy-down the annual fee!
Do we know if you’ll still be able to earn 3x Alaska miles for rent purchase made on Atmos card?
@ Daniel -- Yep, that's not changing. So if Bilt Cash can be redeemed efficiently outside of rent or mortgages, the play could be to use your Atmos Rewards Card for those purchases at a 3% fee, and then use your Bilt Cash differently.
Since we won't find out how Bilt Cash works for a while, other than effectively "buying" Bilt points via rent/mortgage payments, we should assume each Bilt$ is worth 1/3 of a Bilt point. Nothing more than that.
I meant each Bilt Cash cent is worth 1/3 of a Bilt point.
You need a PhD in Advanced Pointsology to understand how this card works.
@ DT -- LOL. Can't say I disagree...
Although it's hard to explain it should be straightforward when you use the card. The app will display how much Bilt Cash you have and display all kinds of offers you can use it on.
I'm not saying the economics work but imagine getting an offer from a restaurant you tried on what for them is a slow night or a ticket to event that you actually are interested in that hasn't sold out.
...Although it's hard to explain it should be straightforward when you use the card. The app will display how much Bilt Cash you have and display all kinds of offers you can use it on.
I'm not saying the economics work but imagine getting an offer from a restaurant you tried on what for them is a slow night or a ticket to event that you actually are interested in that hasn't sold out.
There is a lot of stuff that "spoils" where the merchant would gladly split the revenue with whoever can find them buyers and figure out the highest price they are willing to pay
If you can use Bilt Cash to pay for half of a hotel room that would have gone empty and that you wouldn't have booked otherwise then you get a deal, the hotel gets money that is close to per profit and Bilt gets a commission.
Is there enough stuff going to waste out there that could be sold that Bilt can make a profit? We'll find out.
You don't need any advance degree. They make it complicated so they sound legit and you just accept it. Just look at Madoff.
This is Cardless. You know they will screw you over. Just wait till next year.
I follow you religiously, but this whole Bilt thing is so confusing. Probably not for me lol
May you get Lucky...
Agreed. I'm out, just because I'm even more confused after reading these comments. Venture X is still the way to go. No coupons, great lounges, and 2X earnings.
Yeah, compared to the professionals at real banks and issuers like Amex, Barclays, BofA, Capital One, Chase, Citi, etc. this launch has been bananas! (And I’ve kinda liked it that way…)
For DC-based travelers it’s a complete no-brainer b/c of capital one lounge at IAD and landing at DCA.
(And yet…I’m tempted to play this game anyway!)