$495. Keep it if the mortgage is still on Bilt.

Year two. Drop the welcome. Housing still on Bilt, plus credits you will actually use. Your numbers, not a sample family.

The 90 days after Palladium. Everyday, not housing.

Everyday on Palladium for 90 days. Housing through the app. One toggle. No transfers until a seat is holdable. Not a reason to apply.

Housing-only or Flexible. Flip one switch.

One switch. Housing-only or Flexible. Not both. A sample month so you can plug in your mortgage. Example data, not your house.

Should you open a card this month? Usually no.

Only if the trip exists, housing will go through Bilt, and you can put everyday spend on Palladium for 90 days without needing those dollars the week you fly.

US Mobile is the travel phone. Premium is the plan if you leave the country.

Pull last month’s phone bill. Four US Mobile Premium lines are $1,196 the first year, taxes in. A typical four-line postpaid plan leaves $1,300–$2,000 a year on the table.

You can earn Bilt points on a mortgage. Here’s the messy part.

For years that was renters-only. Pay the servicer by ACH through Bilt, pick one housing switch, and the mortgage can earn points. You cannot run both paths.

You can renew your own passport. Online is narrower than you think.

If the book was issued at 16 or older, is undamaged, and isn’t lost, renew by mail ($130, no $35 facility fee) or online if you actually qualify. Skip if the book already covers the trip.

A child under 16 cannot renew a passport. Here’s the actual errand.

Kids under 16 cannot renew. It is DS-11, in person, with the child in the room. Both parents when you can. Five-year book. Do this before you open a card.

Bilt Cash is not cash. Here’s when it’s worth using.

Bilt Cash looks like 4% cash back. It is not. It unlocks housing points, it lives in the app, and most of it expires on December 31.