i do see the value for no annual fee option a if C1 move their quicksilver and venture cards over to the discover network. not so sure about the rest because bilt fitness and walgreens credits are pretty useless. priority pass too.

there are also other ways to drive spending and lower cost, e.g. have a minimum spend (or minimum spend for each of the 5 transactions, or minimum spend per category), expand offerings like chase trifecta, bonus category for something less common like online shopping, reduce rent day promos

there is a group of us who will optimize points earning by using different cards, but there is also a big group that will just use the same few cards. so what bilt needs is to give these people a reason to put bilt near the top of their list. bilt has to find that reason, but copying other cards isnt the solution.