I'm planning on dropping the JAL USA card on renewal. To say they are not technologically advanced at FNBO is an understatement. Bilt points are earned 3X on restaurants which is doubled the first of the month. Theoretically, $333.33 spent at a restaurant or purchased restaurant gift cards (coded as restaurant spend) on the first of the month will give 2000 Bilt points = 2000 JL points to cover the annual JMB fee. Bilt is a free card and the only flaw I have seen with paying them is they only allow one payment a day so if you are splitting expenses between a personal account and a business account you have to start the payments at least a day before they are due so you can get the second payment in on the due date. Most of my cards will allow two payments scheduled on the due date.