Paid my $600 semi-annual car insurance bill yesterday, and realized this was the last time I'll even be able to get full Rent Day credit on that kind of purchase, to say nothing of the normal-priced meals I bought and the one Lyft ride I took. Maybe 10,000 points was an amount they could've cut down, but capping it at 1,000 points will absolutely disincentivize a lot of spend on my card; that insurance payment will never again be made on the Bilt card, for example.