As one of the largest banks in the U.S. today, Bank of America has a sweeping range of credit card options to match. Whether you’re looking to earn cash back on your regular spending, save on Alaska Airlines travel, or secure a long 0% APR period to pay down debt, there’s likely a Bank of America card for you. Read more about our top picks from the issuer below, along with more information to help you decide which is best for you. Best Bank of America credit cards for February 2026 Best overall Learn m ...

Core Insights - Bilt has expanded its offerings with the launch of Bilt 2.0, introducing three new rewards credit cards that now include homeowners for rewards on mortgage payments [1][2] Group 1: New Features of Bilt 2.0 - Bilt 2.0 allows users to earn rewards on both rent and mortgage payments, with options for transaction fees impacting points earned [4][5] - Users can choose between a 3% transaction fee to earn maximum points or avoid the fee by using Bilt Cash, which is a new rewards currency [5][6] - For example, a $1,500 monthly rent payment would require $45 Bilt Cash to cover the 3% fee while earning 1,500 Bilt Points [6][10] Group 2: Bilt Cash Mechanics - Bilt Cash is necessary to maximize rewards on housing payments, but rent and mortgage payments do not earn Bilt Cash directly [9][12] - Users can earn 4% Bilt Cash on everyday spending, which can be used to cover fees or boost points on housing payments [9][10] - Bilt Cash expires at the end of each calendar year, but up to $100 can be rolled over to the next year [12] Group 3: Overview of New Credit Cards - The Bilt Blue Card has no annual fee, offering 4% Bilt Cash on everyday spending and a $100 welcome bonus [14] - The Bilt Obsidian Card, with a $95 annual fee, provides additional rewards such as 3x points on dining or groceries and a $200 welcome bonus [15][16] - The Bilt Palladium Card, the premium option with a $495 annual fee, offers extensive benefits including a $300 sign-up bonus and 2x points on everyday spending [17][18] Group 4: Transition for Existing Cardholders - Existing Wells Fargo Bilt Mastercard holders can continue using their cards until February 6, with a transition to a new Bilt 2.0 card available without a new credit check [19] - Users will retain their Bilt Points and can still redeem them even if they choose not to switch to a new card [20]

Core Insights - Bilt has launched Bilt Card 2.0, transitioning from Wells Fargo to Cardless and Column N.A. Bank, introducing three new credit cards: Bilt Blue Card, Bilt Obsidian Card, and Bilt Palladium Card [1][8] Overview of Bilt Cards 2.0 - The annual fees for the new cards range from $0 to $495, with all three cards allowing fee-free rent and mortgage payments, although the process is more complex than the previous version [2][8] - Each card earns 4% Bilt Cash on eligible purchases and up to 1x points on rent and mortgage payments, with specific spending categories for each card [5] - Bilt Cash is a new reward currency that allows users to offset transaction fees on rent and mortgage payments, with $1 of Bilt Cash equating to $1 in value [15][16][17] Benefits and Features - The Bilt Obsidian Card offers a $100 Bilt Travel hotel credit, while the Bilt Palladium Card provides a $400 hotel credit, split into two semi-annual credits [9][6] - All three cards include cell phone protection, covering up to $800 per claim and $1,000 per card per year, subject to a deductible [10] - The cards can be used anywhere Mastercard is accepted, enhancing their usability [27] Payment Options and Strategy - Users can choose between two options for making rent and mortgage payments: a no transaction fee option using Bilt Cash or a "Max Points" option that incurs a 3% transaction fee [19][20] - To earn points or cover transaction fees, users need to spend 75% of their rent or mortgage payment in eligible non-housing spending each month [22][23] - Bilt Cash earned during the year expires at year-end, with a rollover option for $100 [24] Comparison with Bilt Card 1.0 - The new structure is perceived as less favorable compared to Bilt Card 1.0, which allowed fee-free rent payments with just five transactions per billing cycle [25][26] - The new cards require a minimum monthly spending limit to earn points or cover fees, which may not be as straightforward as the previous model [26] Alternatives and Market Position - The Bilt Blue Card, with no annual fee, has limited earning potential compared to other cards [31] - The Bilt Obsidian Card competes with similarly-priced travel cards, while the Bilt Palladium Card, with a $495 fee, faces competition from premium travel cards [32]

Core Insights - Capital One Miles are recognized as a valuable transferable rewards currency, ranking just behind American Express Membership Rewards and Chase Ultimate Rewards [26] - The best redemption strategy for Capital One Miles is to transfer them to airline and hotel partners, maximizing their value [27] Group 1: Capital One Miles Overview - Capital One offers a variety of rewards cards with a straightforward redemption system for earned miles [1] - The Capital One Venture X Business Card provides at least 2x miles on all purchases and includes premium perks [4][6] - A limited-time offer allows users to earn up to 400,000 bonus miles based on spending thresholds within the first six months [5][11] Group 2: Earning and Redeeming Capital One Miles - The most effective way to earn Capital One Miles is by applying for new credit cards and meeting minimum spending requirements [2] - Capital One Miles can be redeemed for various options, including statement credits, gift cards, and travel bookings through Capital One Travel [27] - Transferring miles to partners like Air Canada Aeroplan, Air France-KLM Flying Blue, and Japan Airlines Mileage Bank can yield significant value [43] Group 3: Key Transfer Partners - Air Canada Aeroplan is highlighted for its value and flexibility, allowing for numerous airline partnerships and a favorable stopover policy [29][30][33] - Air France-KLM Flying Blue offers dynamic pricing and promotional rewards that can provide substantial savings on award tickets [35][38] - Japan Airlines Mileage Bank features region-based award charts and excellent redemption rates, particularly for premium cabins [40][41]

I’m perfectly happy with my mid-tier Chase Sapphire Preferred® Card, and I didn’t expect to find myself with another premium Chase card. I had the Chase Sapphire Reserve® years ago, downgraded it, and figured I’d never need it again.However, once the new Sapphire Reserve for Business℠ (and its massive 200,000-point welcome offer) was brought into the market this past summer, it definitely made me rethink my strategy.As a small business owner with big World of Hyatt plans next year — including a family vacat ...

Core Insights - Mesa has launched a new partnership with Omni Hotels & Resorts, allowing members to redeem Mesa Points for hotel stays, enhancing the rewards ecosystem [1][4] - Members can convert 30,000 Mesa Points into 100 Omni Credits, sufficient for a free night at any Omni property [3] - This partnership marks Omni's first collaboration with a credit card rewards platform for points-based transfers, expanding Mesa's transfer partner list [4][9] Summary by Sections Partnership Details - The partnership with Omni Hotels & Resorts introduces a transfer program for Mesa members, providing more travel options [2] - Mesa has recently added two airline transfer partners, Air Canada Aeroplan and SAS EuroBonus, alongside Omni, which is its second hotel transfer partner [4] Member Benefits - To celebrate the launch, Mesa Points members who transfer points within the first three months will receive complimentary Champion Status in Omni's Select Guest loyalty program, which typically requires $4,000 in annual spending [5] - Champion Status includes benefits such as room upgrades, late checkout, and welcome amenities [5] Strategic Goals - The partnership aligns with Mesa's mission to offer homeowners meaningful benefits beyond traditional bill credits, allowing members to use rewards for travel experiences [7] - This collaboration with a well-known hospitality brand provides unique opportunities for Mesa members to utilize their points for vacations or business trips [9]

Core Insights - Bilt Rewards has introduced a transfer bonus to British Airways Avios, offering between 50% and 100% bonus on transfers, which can provide significant value for users with redemption plans [2] - The updated Bilt Mastercard allows users to earn rewards on rent payments, with a unique structure that includes no transaction fees for rent payments and various bonus categories [6][21] - Bilt has partnered with over 2 million apartment units to create the Bilt Rewards Alliance, enhancing the utility of their rewards program for renters [7] Bilt Rewards Program - Bilt offers a transfer rate of 1,000 Bilt Points to 2,000 Avios, with varying bonuses based on user status: 75% for Gold, 60% for Silver, and 50% for Blue [1] - Users can earn double points on "Rent Day," with 6X points on dining, 4X on travel, and 2X on other purchases, capped at 1,000 bonus points [3][7] - The Bilt Mastercard allows for up to 100,000 points to be earned annually on rent payments, with 1X points per dollar spent [9] Redemption Options - Bilt points can be redeemed for various purposes, including home down payments at a rate of 1.5 cents per point, and for Amazon purchases at 0.70 cents per point [12][13] - Rent payments can be converted to points at a rate of 0.55 cents per point, which is less favorable compared to other redemption options [13] - Bilt also offers unique items and experiences through the "Bilt Collection" catalog, providing additional avenues for point redemption [14] Payment Process - Bilt facilitates rent payments through checks or ACH transfers, eliminating credit card transaction fees for landlords [16] - Users must pre-authorize their rent payments in the Bilt app, ensuring a streamlined payment process [17][18] - The Bilt Mastercard includes benefits such as cell phone protection when monthly bills are paid with the card [20]

Core Insights - The article discusses the best credit cards for Amazon purchases in 2025, highlighting various options that offer significant cash back and rewards for frequent Amazon shoppers [1][46]. Group 1: Credit Card Options - The Blue Cash Everyday Card from American Express offers a $200 statement credit after spending $2,000 in the first 6 months and provides 3% cash back on up to $6,000 in U.S. online retail purchases annually [3][5]. - The Prime Visa card provides a $250 Amazon Gift Card upon approval for Prime members and offers 5% back on Amazon.com purchases, making it ideal for frequent Amazon shoppers [7][9]. - The Capital One Venture Rewards Credit Card has a $95 annual fee and offers 75,000 miles after spending $4,000 in the first 3 months, with 2x miles on all eligible purchases [11][9]. - The Amazon Visa card, which does not require a Prime membership, offers a $50 Amazon gift card upon approval and has a lower rewards rate compared to the Prime Visa [15][46]. - The Discover it Cash Back card provides up to 5% cash back on rotating categories, including Amazon during the fourth quarter, and matches all cash back earned at the end of the first year [18][36]. Group 2: Rewards and Benefits - The Bank of America Customized Cash Rewards Credit Card allows users to earn 3% cash back in a chosen category each quarter, which can include online shopping from Amazon [25][39]. - The Wells Fargo Active Cash Credit Card offers unlimited 2% cash back on all purchases and has no annual fee, making it a competitive option for everyday spending [29][39]. - The U.S. Bank Shopper Cash Rewards Visa Signature Card provides 6% cash back on the first $1,500 in combined purchases each quarter with selected retailers, including Amazon [34][46]. - The Chase Freedom Flex Credit Card offers up to 5% cash back on rotating categories, which may include Amazon, and has no annual fee [31][39]. Group 3: Considerations for Choosing a Card - The right rewards rate depends on individual spending habits; those focused on Amazon purchases should seek cards with the highest rewards for Amazon [37][40]. - Most cards listed do not have an annual fee, but if a card does, it is essential to evaluate whether the rewards justify the cost [39][40]. - Credit cards can provide additional benefits such as purchase protection, which is valuable for online shopping [39][40].

Core Insights - The Chase Sapphire Reserve® and the Sapphire Reserve for Business℠ are prominent credit cards known for their rewards and benefits, appealing to frequent travelers and business owners [1][4]. Summary by Sections Welcome Bonus - The Chase Sapphire Reserve Business card offers a substantial welcome bonus of 200,000 points after spending $30,000 in the first 6 months, valued at approximately $4,000 [2][5]. Card Features - The Chase Sapphire Reserve Business card is tailored for business owners who travel frequently, providing premium perks and benefits [4][6]. - The card has an annual fee of $795 and a variable APR ranging from 18.24% to 26.24% [5][8]. Rewards Structure - Both cards offer similar rewards for Chase Travel purchases, earning 8x points, and 4x points on flights and hotels booked directly [19]. - The Chase Sapphire Reserve card provides 3x points on dining, while the Business card offers 3x points on social media and search engine advertising [21][19]. Annual Credits - The Chase Sapphire Reserve card includes various annual credits, such as a $300 travel credit and a $500 hotel credit through The Edit, which can be utilized effectively by cardholders [16][11]. - Starting January 1, 2026, the hotel credit will no longer have a biannual requirement, simplifying its use [15]. Travel and Purchase Protections - Both cards offer extensive travel and purchase protections, including trip cancellation insurance, lost luggage reimbursement, and purchase protection [23][26]. - The travel protections are nearly identical, ensuring coverage for both personal and business expenses [23]. Combined Benefits - Holding both cards allows for the pooling of rewards, maximizing the value of credits and points earned across personal and business expenses [22][20]. - The ability to separate expenses for tax purposes while still earning rewards is a significant advantage for business owners [18][20]. Conclusion - The combination of the Chase Sapphire Reserve and the Sapphire Reserve Business cards provides substantial value through rewards, credits, and protections, making it a strategic choice for frequent travelers and business owners [25][24].

Core Insights - The discussion on "The Ramsey Show" highlighted differing opinions on credit card usage, particularly focusing on the balance between rewards and potential overspending [1][3]. Group 1: Credit Card Usage - A caller named Miguel shared his experience of paying off credit cards in full each month and using points for family travel, specifically mentioning $4,000 in flights for a trip to Europe [2]. - Co-host George Kamel acknowledged Miguel's disciplined approach but questioned the overall value of the rewards earned, suggesting that significant spending may not justify the benefits [3][4]. Group 2: Behavioral Economics - Kamel raised concerns about the potential for overspending, illustrating that spending $200,000 to earn $4,000 in rewards equates to only 2% cashback, which could be avoided by using a debit card [4]. - Co-host Rachel Cruze emphasized behavioral studies indicating that credit card usage often leads to increased spending due to a lack of emotional connection to money, which can result in unintentional overspending [4]. - Cruze also criticized the banking industry for profiting from consumers, particularly those in debt, highlighting the moral implications of credit card rewards systems [4].