Sally French

I don't know.

I mean, let's put this into real numbers that people can play around with.

So let's take a $4,000 a month mortgage or rent payment.

You would need to spend $3,000 a month on other purchases on the card to earn enough built cash to earn 4,000 built points on your rent or mortgage payment.

Yeah.

And just think about it.

Like, you might be losing the opportunity to earn more points on different cards.

Yes.

Achieve any of your other travel goals.

If it isn't all with Bilt, that could be a lot of money to put on one card.

But there is a little wrinkle here, which is that built points are really valuable.

So according to NerdWallet's valuations, built points are worth about 1.8 cents each if you're transferring them to partners for smart hotel or flight redemptions.

We're talking like the World of Hyatt redemptions, maybe a really good Alaska Airlines redemption.

There are so many ways to use built points, but I think it is relatively reasonable to expect you could get 1.8 cents in value from them.

Exactly.

So these built cards do give you access.

And also, you don't have to have a built card to earn built points.

But it is probably the most efficient way to earn them.

So let's get back to the math.

You mentioned, Sally, that you have a card that gets 2.67% back.