im thinking if i would reapply for the bilt card when time comes. my annual rent + utilities are about 40k and i easily have at least another 20k foreign insurance spend (a lot more if i pay for my family). this gives me 180k as miles + a 25k and 100k companion voucher (so essentially 305k as miles) for a cost of ~1.6k (1.2k in fees for paying rent and 395 in af) with the new atos summit card. i believe i would also at least get as gold or ows if i wanted to, but it doesnt really factor into my consideration. if i use bilt card + vx, i currently get 90k points for net 95 af. assuming that points are roughly equal in value, that is 215k points for 1.5k, or 0.698cpm. this figure improves with more spend, and i could always pay for my family's insurance spend (since credit cards dont earn points for insurance spend in my home country) and have quite a bit of foreign travel spend that dont belong under categories with bonus multipliers