We need advice in deciding between opening the Bilt Palladium to consolidate our shared expenses or stay the course. and would love to get some direction!
We have a Mortgage and a Heloc and we use a hybrid system. We split the expenses 80% P2, 20% P1. P2 cares for Alaska Miles only. I kind of forced P2 to get the Amazon card because of how much we are spending on it.
I care for Cash Back since I spend way less than P2, but I’m willing to run the Bilt Palladium and move to points to transfer to Alaska, having P2 as AU and earn her own points. P2 agrees, but since she doesn’t play the game, not willing to open it in her name, scared of losing her 800+ credit. We are both pre-approved for it with P1 – 12,000 limit and P2 – 20,000 limit. The idea would be to combine all of the expenses to go to this card and we pay it off every month and be able to travel for free. We mostly fly once a year to Disneyland either the 2 of us or with our kids, depending on if it’s our anniversary or just a family trip. We do other traveling during the year, but we just like to drive and spend on Hotels only, hence the OneKey+.
CREDIT PROFILE
* Current credit cards you are the primary account holder of:
* Player 1:
RH Gold Card, 5,000 limit, opened October 2025. Daily Driver for P1
OneKey+, 5,000 limit, opened September 2025
Meant to complement P2 Alaska Card. Airline + Hotel for 1-2 Trips national and 1 Trip every 2-3 years international.
Us Bank Cash+, 1,000 limit, opened July 2025
Used only for Internet and in-app purchases 5% back
Apple Card, 4,500 limit, opened October 2023
Sock drawered
* Player 2: Grandfathered Alaska Card(Ascent), 37,000 limit, opened in April 2022 Daily Driver for P2
Chase Amazon, 20,000 limit, opened in August 2025
Only for Amazon purchases
P2 has other cards that are sock drawer.
* FICO scores with source: Fico— P1, 724 and P2, 820
* Oldest credit card account age: P1 – July 2022, P2 – 2001
* Cards approved in the past 24 months: P1 – 3, P2 – 1
* Annual income $: 60k P1, 105k P2
CATEGORIES
* Ok with category-specific cards?: Yes
* Ok with rotating category cards?: Yes
* Estimate average monthly spend in the categories below.
This is our 2025 Yearly spend! From our Origin App
—Groceries (Including Costco): $17,600
—Household(Utilities): $13,000
—Dining: $12,500
—Shopping: $12,000
—Entertainment: $7,200
—Other: $6,000
—Healthcare: $5,000
—Gas: $4,000
—Travel : $4,000
* Pay rent by card? No
MEMBERSHIPS & SUBSCRIPTIONS
* Costco or Sam's Club member: Costco (executive membership)
* Big bank customer: We have everything in our Joint account in a Credit Union.
I got an invite to RH Banking and we are thinking in moving our savings to RH. (Better APY than our CU)
PURPOSE
* Purpose of next card: Combine all spend into one card
* Cards being considered: Bilt Palladium
Open to hear other suggestions or just keep it how it is. I just feel we are not maximizing our spent at all.
Thank you.
Looking for Advice in getting Bilt Palladium(P1 + P2 AU) or keep current Strategy
byu/LoaSpirit inCreditCards
Posted by LoaSpirit
1 Comment
bilt palladium makes sense for your situation but honestly you might be overthinking this a bit. with 80k+ combined spend you’d definitely hit the bonus and the alaska transfer ratio is solid for your disney trips
one thing though – p2 being worried about her 800+ score is kinda weird when shes already pre-approved for 20k limit. opening one more card isnt gonna tank her score that hard, especially with her credit history going back to 2001. you could always just run it under your name if she’s really that nervous about it
just make sure you can actually pay off that much spend monthly without issues since you’d be consolidating everything onto teh one card