Originally Posted by
DoILikeFlying
Have you taken a look at the Bilt Travel Hotel credit? It is tedious to use and I have found Bilt's hotel pricing to be worse then C1 based on a couple of searches I did in the past. Not sure if anything changed, but I am not holding out hope
Fair point - everyone's portals suck it's just a matter of to what extent. For me personally, I first evaluate whether my spending on a given card can support the AF absent the credits (other than maybe things like the Chase CSR travel credit because it's just so simple..). Basically, for these two cards, can I spend enough at 2x to earn enough value from the earnings to offset the annual fee and come out ahead. If that answer is yes, or is no but close, then I start to dig into the credits to see what I might be able to maximize. Obviously every situation is different, but I'd get more value from 2x spend on the Palladium than the VX ignoring any credits. Now if I can use some credits on top that (or spend enough to get full 1x mortgage points on $6k/month), even better..