Which Cards Best Pay for Themselves?

In this episode, we'll take Hyatt on a mattress run, we'll answer "Is Tyler crazy for liking the Bilt Paladium card?", and Nick disagrees with our entire main event!

Giant Mailbag

(01:07) - Tyler disagrees with all the negative feedback that the Bilt program is getting

(06:01) - Read more about Greg's thoughts on Bilt changes here

Card News

(08:18) - Atmos Ascent ($95 card) offer

Learn more about the Atmos Ascent card here

(10:24) - Southwest consumer card offers: Companion Pass + bonus points

Learn more about the Southwest consumer card offers here

Mattress Running the Numbers

(13:08) - Hyatt's overlapping promos

Learn more about the Hyatt Bonus Journeys here

Learn more about the Hyatt House / Hyatt Studios promo here

Bonvoyed

(21:00) - Chase makes it harder to track Ink Business Cash® 5x spending

Learn more about this here

Awards, Points, and More

(22:09) - Capital One: 30% transfer bonus to Japan Airlines Mileage Bank

Read about Japan Airlines sweet spots here: https://frequentmiler.com/best-uses-of-japan-airlines-mileage-bank-miles/

Learn more about the transfer bonus here: https://frequentmiler.com/30-transfer-bonus-from-capital-one-miles-to-japan-airlines-mileage-bank/

See our podcast episode 325 "Sweet-spot awards courtesy of Japan Airlines" here: https://frequentmiler.com/sweet-spot-awards-courtesy-of-japan-airlines-frequent-miler-on-the-air-ep325-9-26-25/

(25:26) - Citi is still allowing product changes between AAdvantage and ThankYou point cards

Learn more about Citi no longer allowing product changes between AAdvantage and ThankYou point cards here: https://frequentmiler.com/is-citi-no-longer-allowing-product-changes-between-aadvantage-and-thankyou-point-cards/

(29:03) - Rove "Built Better" promo

Read more about the Rove "Built Better" promo here: https://frequentmiler.com/rove-built-better-promo-7x-on-hotel-stays-bonus-earnings-free-miles/

Main Event: Battle of the $350 airline cards: AA, Delta, United (and Alaska)

(32:40:09) - Comparing $350 airline cards: AA, Delta, United (and Alaska)

(35:33) - Earnings on spend

(40:25) - All offer standard airline card perks such as free checked bags, priority boarding, Global Entry/PreCheck

See our complete guide to free checked bags here: https://frequentmiler.com/free-checked-bags-via-credit-card-complete-guide/

(41:57) - Lounge access

(42:55) - Elite status-related things

(48:12) - Companion tickets & flight discounts

(52:38) - Coupons and other stuff

(56:11) - Which "pays for itself" best without requiring much spend?

(59:52) - Which offers the best elite accelerators?

(1:01:08) - Which offers the best companion ticket?

(1:01:38) - Which is best for solo fliers?

(1:02:26) - Which offers the best earnings on spend

(1:04:44) - Which is the best of the best?

Question of the Week

(1:11:53) - Do you need to have 5 employees before you transfer miles with the Citi business AAdvantage card?

See our episode about the Barclays to Citi transition here: https://frequentmiler.com/barclays-aa-cards-planning-the-transition-to-citi-coffee-break-ep91-2-3-26/

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Music Credit – “Ocean Deep” by Annie Yoder

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