Bilt 3x dining or Autograph 3% dining… what's better?

Emlyn said:
@Kel
Some places still operate on cash only.

I just want to point out that unexpected cash needs require a debit card and can’t always be fixed with a few folded $20s.

North said:

Emlyn said:
@Kel
Some places still operate on cash only.

I just want to point out that unexpected cash needs require a debit card and can’t always be fixed with a few folded $20s.

If you regularly have a debit card, you won’t need to plan ahead for trips to cash-only places (most of which will cost you more than $40).

Using it might help you avoid credit card fees at times.

I believe Bilt points are worth more than 1 cent based on how I like to use them, plus getting Silver status for better transfer bonuses is appealing. So I use Bilt for meals, even over my 4x Amex Gold.

Autograph is useful for more than just dining. So even if you use it for gas, I’d say that works too.

My pick would still be Bilt for meals.

Honestly, I think Bilt points shine more for travel.

I wish there were 3x points for groceries and gas too.

Bilt sounds good on paper.

But for me, I’m not keen on using it 5 times a month just for rewards.

It feels more like a hassle and too much tracking for a little gain.