Bilt Palladium Card
Bilt Rewards · $495/yr5XDining
3Credits stated
YesTransfer partners
Every number from a real receipt
Which card is best for your spending? The issuer's terms decide, not a commission.
27 cards, net of the annual fee, from the earn tables on the issuers' own pages — with the wording behind every number.
No login60 secondsTerms dated on every page
Best cards, by the published rate
Top dining cards, cash and bank points
See allRead off the issuer's page 2026-08-30
Bilt Blue Card
Bilt Rewards · $0/yr4XDining
0Credits stated
YesTransfer partners
Direct issuer links; nothing here pays us yet. How we make money
Why trust us
We publish the receipts.
Every guide starts from something we paid for — a folio, a fare, a tee time — and works outward to the rule that produced it. What we couldn't confirm, we say.
1.00¢per Amex point, Pay with Points
$90a night for oceanfront, asked at the desk
$321.78the “$69 twilight” round, all-in for two
Latest from real trips
All articles$2,592.26hotel folio
Trip report
Updated Aug 29, 2026What 4 Nights at the Hyatt Regency Maui Actually Cost
A real, itemized trip report from Kāʻanapali — package, folio, dining, cabanas, golf, the upgrades that worked, and what we'd cut next time.
$2,592.26hotel folio
1.00¢per point
Guide
Updated Aug 29, 2026The 1.0 CPP Trap: What Amex "Pay with Points" Really Costs
We paid 122,440 Membership Rewards points for a $1,224 Hawaii flight — exactly 1 cent per point. Here's what that convenience really cost, in real numbers.
1.00¢per point
0 ptsearned by the traveler
Guide
Updated Aug 29, 2026Booking Travel on Someone Else's Card and Points: How It Actually Works
Who earns the points, who gets elite credit, how transfers and name rules work, and how to settle up cleanly — the guide almost nobody has written.
0 ptsearned by the traveler
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Reviews, with the check
Places we paid for, and what the bill said.
Hotel, restaurants, golf, a sunrise we cancelled. A verdict and a receipt on each — no stars.
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