Doctor of Credit has proposed some exciting changes to the Bilt credit card program, and they sound pretty sweet! The proposal includes a revamped card lineup with three new options: Blue, Obsidian, and Palladium, each with different annual fees and rewards structures. The coolest part? Each card offers a way to put your everyday spending towards your mortgage! For every dollar (or two, depending on the card) you spend, you'd get a dollar toward a fee-free mortgage payment. Plus, the proposal suggests automatic Bilt status (Silver, Gold, or Platinum) just for holding the card, unlocking perks like transfer bonuses. Each card also offers bonus points on dining, groceries, and travel, alongside hotel credits and generous signup bonuses. Why should you care? If these changes are implemented, it could make Bilt an even more powerful tool for travel rewards and homeownership. Earning points on everyday purchases while simultaneously chipping away at your mortgage? That's a win-win for any savvy traveler looking to maximize their rewards! And, if you value elite status for travel perks, getting it automatically just for holding the card is a great deal.