Bilt Palladium vs Smartly V1

I recently got Bilt Palladium to try it out, and so far it looks pretty good.

So far, I have been using PRE for insurance, education and tax, and Smartly for medical and miscellaneous spend. With the addition of Bilt, I will for sure move insurance and education spend onto Bilt, which gives me 1.33x up to 3/4 of my mortgage (or think as 1x up to my mortgage amount).

But what about potential other spend such as medical and miscellaneous spend that are currently on Smartly? Smartly is 4%, and my limited understanding of Bilt says I can use point accelorator for 2X+1X. So is it simply a valuation problem of 4% vs 3X points?

I wonder how other people in similar setup think of it, and if poeple can point out other factors to consider. I rarely use Lyft/Walgreens/Grubhub btw.