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Every once in a while, a program comes along that sounds almost too good to be true. Earn points on rent.Earn points on your mortgage.No fee. That’s exactly why Bilt gets so much attention. But like most things in personal finance, the headline is only part of the story. This post walks through what Bilt […]

January 17, 2026

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There’s a lot of noise online about the “best” card or the “perfect” setup. But real families don’t live in perfect spreadsheets. We’re paying mortgages.Helping kids with college housing.Buying groceries.Trying to plan one meaningful trip a year — not fly every weekend. So instead of chasing one magical card, many families do better with a […]

January 17, 2026