Find out if Bilt’s new credit cards are worth the hassle for earning points on rent or a mortgage. Hosts Sally French and Meghan Coyle dive deep into the Bilt Card 2.0 Program to explain what’s changed and what to consider before signing up. But first, they break down the latest travel headlines, including a World of Hyatt Credit Card welcome offer that can earn up to five free nights, what Southwest’s assigned seating rollout means for travelers, the cost (and extra time) of flying without a Real ID, and how you can enter to win a free 1:1 travel rewards strategy coaching session with NerdWallet credit card and travel rewards expert Erin Hurd. Then, Sally and Meghan dig into Bilt’s three new credit cards and a rewards system that now includes two currencies: Bilt Points and Bilt Cash. They walk through the big questions listeners have been asking, including when it makes sense to earn on rent, what’s really going on with mortgage rewards, and why the new math (plus shifting details) could change whether you jump in now or wait. Along the way, they weigh the annual-fee tradeoffs, compare Bilt’s new lineup to familiar fan favorites, and share what to watch for as the rollout keeps evolving. Subscribe to TravelNerd, our free newsletter, by January 30 for a chance to win a 1:1 travel rewards strategy coaching session (est. value $250). Learn more at https://www.nerdwallet.com/travel-newsletter-2 Card benefits, terms and fees can change. For the most up-to-date information about cards mentioned in this episode, read our reviews: Best Southwest Airlines Credit Cards of February 2026 Bilt Card From Wells Fargo: No Longer Available, but New Versions Coming Bilt’s 3 New Cards Earn Rewards on Housing, But It’s Complicated World of Hyatt Card Review: Lavish Benefits, Reasonable Cost Chase Sapphire Preferred Review: Strong Option for Travel Rewards Capital One Venture X Review: A Steal of a Deal Among Premium Cards American Express Platinum Review: Top-Notch Lounge Access, Big Credits Resources discussed in this episode: 7 Best Hyatt Category 4 Hotels Dear Bilt Palladium: You’re Welcome to Move in, but You Won’t Pay the Rent Bilt Palladium vs. Capital One Venture X: An In-Depth Comparison Learn more about your ad choices. Visit megaphone.fm/adchoices

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“What did the council decide on item 42?” — answered with the speaker and the moment.