Sally French

But there are other ways to do it too.

So all this to say, if you want to get the most value out of your built points, you probably don't want to pay rent or mortgages with your built card.

With the Palladium card, for example, you'll earn those two points per dollar spent on all your purchases.

And then again, we're assuming that you can redeem those points for at least 1.8 cents a piece through transfer partners.

Then you'll redeem your 4% back for maybe those hotel bookings that you make in the built travel portal.

I don't know.

And then bam, that's how you get 7.6% back on your purchases.

And you didn't even touch the rent or mortgage payment part of this because you weren't doing that.

You redeemed your built cash for something else.

Yeah, you don't have to if you want to get the best value out of it.

In fact, our colleague Craig Joseph wrote about how he's going to use built cash for those better value redemptions.

And he explains it really well.

If you want to read that, we'll put the link in the episode description.

You can redeem the built points for this fee to earn extra points.

I kind of think about it, if you simplify that a little bit, it's kind of like you're just buying extra built points with your built cash.

Interesting.

Okay.

So that is one way you could use it.

Okay, we've been throwing around a lot of numbers.

I think we need to talk about the actual cards now and what these earn rates are.