I've had this card since last summer and have been overall very happy with it. But some recent changes to their transfer partners is making me reassess the value of Bilt points somewhat. AA still has their partner award chart-- but use of AA miles on AA itself has increased (at times, substantially) since the move to dynamic pricing this year. And now UA has devalued transatlantic awards on both their own metal and on partners. I'm almost waiting for the next shoe to drop, which would be Hyatt-- but any changes to Hyatt would likely be almost a year away at this point.