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💳 Bilt 2.0 Cards: https://spencerjohnsoncards.com/bilt 📧 Free Weekly Insights: https://spencerjohnsoncards.com/newsl... Click ‘show more’ to see ad disclosure – Hey guys, in this video, I’m breaking down the full Bilt 2.0 credit card lineup and helping you figure out which Bilt card is actually worth it for your situation. We’ll walk through the differences between the Bilt Blue, Bilt Obsidian, and Bilt Palladium cards, how each one earns, their credits and benefits, and why the “best” option isn’t as obvious as the marketing makes it seem. I’ll also explain how Bilt Cash factors into the earning math, how you can effectively boost your earning rates on everyday spend, and where a lot of the headline benefits become more restrictive once you look closer. To wrap things up, I’ll share my personal Bilt 2.0 strategy and re-run the numbers on my own Bilt Palladium effective annual fee after learning more about how the system actually works. If you’re trying to decide which Bilt 2.0 credit card to apply for, or wondering whether the Palladium is really an easy pick, this video will help you make that decision with confidence. — 🚨 Best Card Offers: https://spencerjohnsoncards.com/bonuses ☎️ Work With Me: https://spencerjohnsoncards.com/consu... 🔢 My Spreadsheet: https://spencerjohnsonofficial.com/cr... 💰 Tools I Use: https://spencerjohnsoncards.com/tools 👥 Join Our Discord: https://spencerjohnsoncards.com/discord 📚 Chapters: 00:00 The Gameplan 01:04 Bilt 1.0 vs Bilt 2.0 Earnings 03:57 Bilt Blue Card 05:28 Bilt Obsidian Card 07:59 Bilt Palladium Card 11:45 How You Earn An Extra 1.33x On Every Non-Housing Category 14:32 My Bilt 2.0 Strategy & Palladium EAF — Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies with which YourBestCreditCards earns an affiliate commission or referral bonus. YourBestCreditCards is part of an affiliate sales network and receives compensation for sending traffic to partner sites. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. #biltblue #biltobsidian #biltpalladium