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Bilt 2.0 Recurring Value Model

Estimate how the published fees, credits, earn rates, and reward options interact with your own normal spend. Treat the result as a scenario to verify, not a card recommendation.

Model the recurring tradeoff.

Change the assumptions that belong to you. The model estimates recurring annual value after fees; it does not include welcome offers, approval odds, or future program changes.

Rules verified 2026-08-01Official Bilt program overview
Monthly amounts

Use your normal spend, not a month chosen to make one tier look stronger.

Use a conservative value based on redemptions you actually make.
Benefit-use assumptions

Discount a credit if it changes your behavior or requires a purchase you would not make.

Obsidian publishes $100/year; Palladium publishes $400/year.
The model uses published 4% Bilt Cash and housing-unlock rules.

Recurring modeled results

Points, counted credits, and the selected reward-option value, less annual fee.

Estimate, not application advice

Bilt Blue

No-fee option for housing rewards with the least credit-management overhead.

Net
$1,584
Counted credits
$0
Annual fee
$0

Bilt Obsidian

Choose dining as the annual 3x category based on this spend.

Net
$1,836
Counted credits
$50
Annual fee
$95

Bilt Palladium

Needs real use of hotel credits and Bilt Cash to justify the larger annual fee.

Net
$1,871
Counted credits
$350
Annual fee
$495

Reward-option context

Flexible Bilt Cash looks stronger because 4% Bilt Cash value beats the Housing-only tier estimate.

Housing-only estimate
$504
Flexible Bilt Cash estimate
$1,152
Modeled option
Flexible Bilt Cash
Obsidian category
Dining
Flexible-cash coverage of a full housing unlock0%

A full 1x housing unlock needs about $2,100 in monthly eligible everyday spend under the published model.

If the value depends on a credit, track the date.

Save the supported card in kardfolio, then keep benefit usage and reset windows visible during your regular review.

Track Bilt dates

Read the model as a renewal check.

Compare Blue, Obsidian, and Palladium with the housing-reward option you would actually use. Count hotel credits only when their booking rules fit your normal travel, value points with your own conservative rate, and compare the recurring result with the published annual fee. Account-specific terms still control.