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re: Who all pays monthly bills on a credit card?
Posted on 8/5/26 at 9:44 pm to WestCoastAg
Posted on 8/5/26 at 9:44 pm to WestCoastAg
For those who do not use their CC for rent/mortgage, I would recommend yall take a look at Bilt
Posted on 8/6/26 at 4:47 am to King of New Orleans
I charge everything I can to a cashback or miles-earning credit card or (with utilities and insurance) have it auto-drafted from my checking account.
One of my best quality of life moves lately was to have each credit card set to auto-pay the balance in full each due date. Before that, I used my checking account billpay feature to manually pay each one as they came due. Now I don't even have to fool with that. I barely pay attention to any of it other than peruse the credit card bills to make sure no suspicious charges appear.
One of my best quality of life moves lately was to have each credit card set to auto-pay the balance in full each due date. Before that, I used my checking account billpay feature to manually pay each one as they came due. Now I don't even have to fool with that. I barely pay attention to any of it other than peruse the credit card bills to make sure no suspicious charges appear.
Posted on 8/6/26 at 5:23 am to King of New Orleans
Right now I have a four account system.
1) Deposit account
2) Sinking fund account
3) General spending account
4) HYSA
Bills come straight from deposit account. I otherwise would be using a credit card but not right now.
Otherwise I was paying the credit card the moment it posted.
1) Deposit account
2) Sinking fund account
3) General spending account
4) HYSA
Bills come straight from deposit account. I otherwise would be using a credit card but not right now.
Otherwise I was paying the credit card the moment it posted.
Posted on 8/6/26 at 6:25 am to AkronTiger
prop taxes and mortgage I do not due to fee, i may look into that 5% card if it covers the fee.
Posted on 8/6/26 at 6:29 am to King of New Orleans
Yes but some companies charge a processing fee so be mindful so then don’t use card.
Posted on 8/6/26 at 6:31 am to King of New Orleans
Should pay everything on a C.C. that doesnt incur a fee or gives you some cash discount
Think the only things we pay via bank draft are cell phone bill ($5/line discount for $10/mo discount total), HOA bill (3% c.c. fee) and daycare (also charge 3% debit or c.c. fee).
I recently even moved our electric bill to a 3% card because they moved to charging just a $2.25 flat fee I saw and our bill is always well in excess of $100 in a month. Summer months are $300-$400. SO I'll happily pay $2.25 to earn $9-$12.
BILT will even give you points for paying your mortgage, it's only a flat 250 points a month regardless of mortgage so only 3k bilt points a year but better than nothing. The true power with them lies in their c.c. ecosystem where they want you to put a lot of spend on their cards and unlock a ton more bilt points on your mortgage. It's a very overly complicated system but it unbeaten in terms of earnings if you take the time to figure it out. I just am churning credit cards typically so just not on that train right now where you do have to sit there and commit to their ecosystem for the most part to maximize the bilt points there (which are arguably among the most valuable points in the travel game).
Think the only things we pay via bank draft are cell phone bill ($5/line discount for $10/mo discount total), HOA bill (3% c.c. fee) and daycare (also charge 3% debit or c.c. fee).
I recently even moved our electric bill to a 3% card because they moved to charging just a $2.25 flat fee I saw and our bill is always well in excess of $100 in a month. Summer months are $300-$400. SO I'll happily pay $2.25 to earn $9-$12.
BILT will even give you points for paying your mortgage, it's only a flat 250 points a month regardless of mortgage so only 3k bilt points a year but better than nothing. The true power with them lies in their c.c. ecosystem where they want you to put a lot of spend on their cards and unlock a ton more bilt points on your mortgage. It's a very overly complicated system but it unbeaten in terms of earnings if you take the time to figure it out. I just am churning credit cards typically so just not on that train right now where you do have to sit there and commit to their ecosystem for the most part to maximize the bilt points there (which are arguably among the most valuable points in the travel game).
This post was edited on 8/6/26 at 6:35 am
Posted on 8/6/26 at 6:46 am to King of New Orleans
Costco Visa for gas and purchases at Costco, Amex Gold for basically anything else. The Amex absolutely prints points.
We switch every few years for a new welcome bonus though.
We switch every few years for a new welcome bonus though.
Posted on 8/6/26 at 6:47 am to rpg37
quote:
unless it adds a service fee
More common than I thought it would be.
Posted on 8/6/26 at 8:11 am to evil cockroach
quote:
want to pay my property taxes with a credit card and rack up the points
same, they wanted an additional $2-300 last year for Cherokee Co. busted out that check book
Posted on 8/6/26 at 8:27 am to King of New Orleans
Everything that doesn't charge a cc fee, then pay off monthly. We are planning to take a good vacation with the cash back balance.
Posted on 8/6/26 at 8:31 am to thunderbird1100
Explain BILT points a little more?
Signing up for BILT is essentially signing up for a new CC that's just for paying mortgage and rent??
How are their points valuable? Do they transfer to airlies\hotels like chase rewards? I've never heard of them.
Signing up for BILT is essentially signing up for a new CC that's just for paying mortgage and rent??
How are their points valuable? Do they transfer to airlies\hotels like chase rewards? I've never heard of them.
Posted on 8/6/26 at 8:53 am to Lsut81
quote:
All bills go to Credic Cards then paid off…
Why would you pass on all the CC points? I’ve taken so many trips for free thanks to points.
This
Flying to Japan for free next year.
This post was edited on 8/6/26 at 8:54 am
Posted on 8/6/26 at 9:16 am to kywildcatfanone
quote:
I do o especially that dont charge a fee.
Which is less and less all the time.
Yep, the glory days of reaping CC rewards is gone. Almost all companies now charge a fee for CC usage. For me that includes insurance, utilities, property taxes, car registration, etc all charge a fee that negates the points.
Posted on 8/6/26 at 10:15 am to iPad
quote:
Cons:
None that I can think of if you use the CC responsibly and are aware of your limits and such.
Will depend on the entity and your card. Some have started charging fee's that are going to be more than whatever points you get. I put everything on a card I possibly can, unless the processing fee for it is more than the points I'd get.
Posted on 8/6/26 at 10:19 am to TigerMan327
quote:so you can earn Bilt points in two ways. By linking any credit/debit card to their program and then go to restaurants that are in tbwir dining program (like 90% the same as other dining programs) and you will typically earn 3x points per dollar at those restaurants.
Explain BILT points a little more?
Signing up for BILT is essentially signing up for a new CC that's just for paying mortgage and rent??
Or, you can open a credit card with them and earn points on your mortgage/rent and on your spend
They have three cards, a free one that isn't super competitive, a $99 a year card that gives you 3x points on dining or groceries and then 1x on everything else, and a premium card that is $500 a year and gives you 2x on all spend plus all the coupons you'd expect out of cards these days
The big thing to understand with Bilt now is you have to spend on it. As long as you put at least 75% of your housing payments on the card every month, you will be able to earn points on your mortgage/rent without paying a fee
quote:yes. And they are probably the most valuable currency in the hobby right now. They transfer to all the normal ones (Avios, virgin, flying blue, emirates, etc) plus verg strong ones like JAL, hyatt, Alaska, etc and they do all of it at a 1:1 ratio
How are their points valuable? Do they transfer to airlies\hotels like chase rewards? I've never heard of them.
Its a very valuable currency as things stand right now (who knows how it will look in the future)
Bilt also does things differently in other areas. Every month, they will offer you transfer bonuses to certain programs and depending on your status, you can get up to like 100% transfer bonuses. You can also use point boosts where you earn an extra 1x on all spend. They also partner with Rakuten which has its ways to earn A LOT of points
I think a nerf is coming as things stand its too valuable but again as we talk now its the most valuable currency going imo
This post was edited on 8/6/26 at 10:22 am
Posted on 8/6/26 at 10:34 am to King of New Orleans
I pay every bill minus my electric bill on a cc. Electric company doesn't take AMEX.
To be honest I dont have much monthly. Water, cable, phone, gas, groceries and restaurant all go on AMEX. Usually end up with 5 or 6 nights a year on the AMEX hilton card.
To be honest I dont have much monthly. Water, cable, phone, gas, groceries and restaurant all go on AMEX. Usually end up with 5 or 6 nights a year on the AMEX hilton card.
Posted on 8/6/26 at 10:38 am to King of New Orleans
We pay almost everything off of our credit card. Some of our utility vendors have credit card fees so we pay those directly via ACH.
I don’t understand the anti-credit card people. We have a very firm monthly budget that we hold our ourselves to. We pay off our credit card in full at the end of every month. We make several thousand dollars a year in cash back
Why would you not use a credit card?
I don’t understand the anti-credit card people. We have a very firm monthly budget that we hold our ourselves to. We pay off our credit card in full at the end of every month. We make several thousand dollars a year in cash back
Why would you not use a credit card?
Posted on 8/6/26 at 11:07 am to WestCoastAg
quote:
The big thing to understand with Bilt now is you have to spend on it. As long as you put at least 75% of your housing payments on the card every month, you will be able to earn points on your mortgage/rent without paying a fee
The other way is the Bilt Cash route which is what I do, but trying to explain how Bilt works is like explaining nuclear physics.
quote:
Bilt also does things differently in other areas. Every month, they will offer you transfer bonuses to certain programs and depending on your status, you can get up to like 100% transfer bonuses.
They limit their exposure here with it being for one day only, and recently added the 100k max transfer (So 100k points at top status at 100% equals 200k total transferred).
To your point this has caused me to move to transferring points out of Bilt speculatively whenever I see a good partner that month (within reason). I figure even if the underlying airline program devalues it isn't going to be bad enough to make the 100% transfer a bad deal. And it avoids as much as possible Bilt nerfing.
This post was edited on 8/6/26 at 11:22 am
Posted on 8/6/26 at 11:11 am to Teddy Ruxpin
Yes! Lol. Didn't want to wade into those waters
Posted on 8/6/26 at 11:15 am to WestCoastAg
I added on to my comment if it is helpful to how you think about Bilt transfer bonuses.
I basically put all non-bonused spend on my Palladium. And I'm looking to have my wife grab Obsidian and choose groceries.
Citi (Citi Nights on Strata Elite and for AA transfers) and Amex (Amex Plat for airfare and Gold for dining/groceries) get my other spend crumbs.
Chase has fallen very far. I only put my 5x Freedom spend on those cards now and Hyatt spend on the Hyatt cards I have. Plus they devalued Hyatt transfers to 4:3. This is causing an issue for me as I really don't want to send Bilt points to Hyatt due to historical mental gymnastics but may have to since I'm low on Hyatt points (which despite their own separate devaluation may still be the only real option, though Amex having a 4:1 LHW ratio vs Citi's usual 5:1 makes the floor 2CPP for LHW, Will see how that shakes out in practice, TBD).
Lastly, I don't mind paying fees to use CC. The most valuable point is the last point that makes a redemption attainable. For the most part my redemptions are going to hit 2cpp and business class will be higher. Paying 2-3% fee with a 2% card is worth "buying the points" for me.
I basically put all non-bonused spend on my Palladium. And I'm looking to have my wife grab Obsidian and choose groceries.
Citi (Citi Nights on Strata Elite and for AA transfers) and Amex (Amex Plat for airfare and Gold for dining/groceries) get my other spend crumbs.
Chase has fallen very far. I only put my 5x Freedom spend on those cards now and Hyatt spend on the Hyatt cards I have. Plus they devalued Hyatt transfers to 4:3. This is causing an issue for me as I really don't want to send Bilt points to Hyatt due to historical mental gymnastics but may have to since I'm low on Hyatt points (which despite their own separate devaluation may still be the only real option, though Amex having a 4:1 LHW ratio vs Citi's usual 5:1 makes the floor 2CPP for LHW, Will see how that shakes out in practice, TBD).
Lastly, I don't mind paying fees to use CC. The most valuable point is the last point that makes a redemption attainable. For the most part my redemptions are going to hit 2cpp and business class will be higher. Paying 2-3% fee with a 2% card is worth "buying the points" for me.
This post was edited on 8/6/26 at 11:28 am
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