Nicole Lapin

Audible.

There's more to imagine when you listen.

You've heard me talk about Bilt as the loyalty program that lets you earn points on rent wherever you live, and they just leveled up even more.

As of 2026, homeowners can also earn up to 1.25x points on their mortgage payments.

This is thanks to Bilt's three new credit cards, the Palladium Card, Obsidian Card, and Blue Card.

all three turn your housing payments rent or mortgage into flexible rewards so you can choose the card that fits your lifestyle without missing out on points and exclusive benefits built points can be redeemed at top airlines and hotels amazon.com purchases future rent payments and more built points have also been ranked by top publications as the industry's most valuable point currency your housing payment is already your biggest expense make it your most rewarding

Find the card that fits your lifestyle and apply today at joinbuilt.com slash moneyrehab.

That's J-O-I-N-B-I-L-T dot com slash moneyrehab.

Make sure to use our URL so they know we sent you.

Terms and limitations apply.

Subject to approval and eligibility.

Built cards are issued by Column NA, member FDIC, pursuant to license from MasterCard International Incorporated.

I'm Nicole Lapton, the only financial expert you don't need a dictionary to understand.

It's time for some money right now.

President Trump wants to cap credit card interest rates at 10% APR.

And if you're somebody carrying credit card debt right now, and let's be real, millions of Americans are, probably locked into this topic.

Because that number sounds a lot better than the rates many of us are seeing right now.

Listen, it all sounds fine and dandy until you think about how lending works.

really works so today i'm breaking it down first things first this is a proposal it is not a rule it is not a law it is not a done deal there is no executive order there's no legislation no regulation actually in effect so if you log on to your credit card account today literally nothing has changed credit card interest is simply out of control americans owe a total of 1.2 trillion dollars in credit card debt the average apr in the us is just over 21 according to the federal reserve

But some cards are charging 28, 29, even 30 percent or more.