I pay a flat fee of $25 to pay rent with a credit card.
Should I select Housing-only rewards or flexible Bilt cash? I keep seeing a mention of a 3% transaction fee for Bilt cash - does that still apply to me?
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Chase Sapphire Reserve - $26k - before 24 months ago
* Citi Strata Elite - $32k - 07/2025
* Hyatt Visa - $14k -01/2026
* United Explorer - $15k - 04/2026
* Chase Freedom Unlimited - $24k - before 24 months ago
* Costco Visa - $10k - 04/2026
* FICO scores with source: Experian 735, Equifax 798
* Oldest credit card account age: 10 years
* Cards approved in the past 6 months: 3
* Cards approved in the past 12 months: 4
* Cards approved in the past 24 months: 4
* Annual income $: $275k
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
* Dining $: 1500
* Groceries $: 400: (Costco, regular supermarkets)
* Gas $: 120 (sometimes at Costco)
* Travel $: Flights: 250
Hotels: 250
Rideshare: 125
Trains: 280
* Using abroad?: no
* Other categories or stores:
* Other spend:
* Pay rent by card? Yes, amount and fee: 3000 with $25 flat fee
MEMBERSHIPS & SUBSCRIPTIONS
* Costco or Sam's Club member: Costco
* Big bank customer: Chase, Citibank
PURPOSE
* Purpose of next card: Travel Rewards
* Cards being considered:
ADDITIONAL INFO
I have both Chase and Citi cards, trying to decide which ecosystem is right for flying out of SFO.