{"id":13904,"date":"2026-06-26T04:00:00","date_gmt":"2026-06-26T10:00:00","guid":{"rendered":"https:\/\/milesearnandburn.com\/?p=13904"},"modified":"2026-06-25T22:46:16","modified_gmt":"2026-06-26T04:46:16","slug":"friday-bilt-disappoints-coverd-gives-bilt-a-challenge-for-most-complicated-program-wyndham-disappoints-and-capital-one-spark-cash","status":"publish","type":"post","link":"https:\/\/milesearnandburn.com\/index.php\/2026\/06\/26\/friday-bilt-disappoints-coverd-gives-bilt-a-challenge-for-most-complicated-program-wyndham-disappoints-and-capital-one-spark-cash\/","title":{"rendered":"Friday: Bilt Disappoints, Coverd Gives Bilt a Challenge for Most Complicated Program, Wyndham Disappoints, Random Numerology, and Capital One Spark Cash"},"content":{"rendered":"\n
    \n
  1. On July 1, Bilt will have a transfer bonus to Hilton Honors<\/a> between 75% and 175% based on status, with the bonus on a maximum of 100,000 points. They’ll also have increased gift card redemptions between 25% and 100%, also based on status. Both might sound good on paper, but neither is a great value in practice.

    Side note: When \ud83d\ude44 won’t do,     there’s this<\/a>.
    <\/li>\n\n\n\n
  2. Coverd is a weird Visa consumer credit card<\/a> that secured $7.8 million in funds by big names in venture capital. Some details:

    – Earn rate varies hourly (!)
    – There are varying 3-minute (!) “surge windows” for even bigger earning
    – Earn rate depends on transaction size, with 4 bands (!)
    – Boosted earn rates are limited to one transaction, until that category’s rates change (!)
    – Your monthly earn limit is based on last month’s spend
    – You can’t earn more than your points cap, which is variable
    – The value of points isn’t published<\/em>, but seems to be 0.5 cents per point

    The best part? And I’m not making this up, t    heir press talking points include the sentence<\/a>: “traditional credit card rewards have become outdated with complicated points systems<\/em> … Coverd aims to change that with a transparent rewards model<\/em>“. Nice. (Thanks to David)
    <\/li>\n\n\n\n
  3. Wyndham is devaluing redemptions for new bookings on September 15<\/a>. Awards will have four price bands: 5,000, 15,000, 30,000, or 45,000 points nightly. RIP Scandinavia I guess, and it’s time to think seriously about whether or not you still want to hold a Wyndham credit card.
    <\/li>\n\n\n\n
  4. The Citi AAdvantage Platinum Mastercard has an 80,000 mile sign-up bonus<\/a> after $1,000 spend in three months, and the $99 annual fee is<\/em> waived for the first year.

    This offer comes from an in-flight promotion and requires a six digit promo code. A random code like 000000 works (yes, technically 000000 could be a random number).
    <\/li>\n\n\n\n
  5. The Capital One Spark Cash card has an increased sign-up bonus of $1,000 after $10,000 spend<\/a> in three months, and the annual fee is<\/em> waived for the first year.

    This “business” card will report to your personal credit report, and miles can transfer from this card to Venture X cards.
    <\/li>\n\n\n\n
  6. Kroger fuel points can now be redeemed for groceries<\/a> at a flat one cents per point in $10 increments, but only $10 per day so call it a slog at best.<\/li>\n<\/ol>\n\n\n\n

    Have a nice weekend, friends!<\/p>\n\n\n\n

    \"\"<\/figure>\n\n\n\n

    The Coverd office motto.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Have a nice weekend, friends! The Coverd office motto.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_editorskit_title_hidden":false,"_editorskit_reading_time":0,"_editorskit_is_block_options_detached":false,"_editorskit_block_options_position":"{}","footnotes":""},"categories":[54,64],"tags":[],"class_list":["post-13904","post","type-post","status-publish","format-standard","hentry","category-credit-cards","category-points"],"_links":{"self":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/13904","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/comments?post=13904"}],"version-history":[{"count":7,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/13904\/revisions"}],"predecessor-version":[{"id":13914,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/posts\/13904\/revisions\/13914"}],"wp:attachment":[{"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/media?parent=13904"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/categories?post=13904"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesearnandburn.com\/index.php\/wp-json\/wp\/v2\/tags?post=13904"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}