I'll never be able to rebuild Freedom Flex/Ink Cash/CSP/Unlimited because I keep getting attracted by more than 5 shiny things every 24 months, so I thought this might be a good alternative.

Bad: Fraud on the first day
Good: They next-day-aired the replacement on Saturday
Good: The 5x for 5 days seemed to work on the new card
Bad: The 5x ended after 3.5 days (I've got an inquiry in)
Good: The Bilt site is pretty easy to navigate, see the card number, see rewards earned, add travel rewards partners, ...
Bad: The WF site is very hard to navigate and had lags where other banks are instant (activate cell phone until set up alerts, get a replacement card until see activity on replacement card)
Good: It appeals to the game-player in me . . . what expenses can I shift to be payed on the 1st every month for double points? Can it be automatic or manual? Is it worth a possible $5 in points to play trivia this month?

I guess the fee is $0 so as long as I have the time and patience to call/email about the issues . . . but I can see one or the other of those expiring soon :-) And we may sell the house one day. The rent benefit would be phenomenal then.