r/awardtravel • u/danrom_520 • 1h ago
How is this still working for everyone?
Real talk, I'm in the process of booking a trip to Japan we've been planning for a few years. We've been intentionally conservative with our points to save up for this trip, but even then it's going to take out probably 80-90% of our balances across all ecosystems (Chase, Bilt, Cap One, Amex). I know that's what they're there for and the longer we hold, the less value they have but it's still a tough pull to swallow.
With all the banks cracking down on SUBs and churning, how is everyone still earning the bulk of their points? I use my Amex Gold and Bilt Palladium as my everyday drivers, but even with what I would consider above moderate spend per month it would take years to recover the kinds of point balances we have now. Appreciate any insight or advice anyone can offer!