u/Cold_Weakness9441

As a business owner, most of my CC spend is business spend. But we will need a CC for personal spend as well.

Would the following work?

1. Palladium in my name for business spend, mortgage pmt via EFT for 3.25X (2x + 1.25x) earn;

2. Obsidian in wife's name, make separate principal-only pmt to same mortgage via EFT for 4X (3x + 1x) on groceries, 1X on misc.

I can get rid of my Amex Platinum and Business Blue (only 2X) and personal Chase Freedom Unlimited (only 1.5X). I might miss the occasional Centurion lounge, but we mostly fly business so almost always have a lounge option.

TL;DR: I'm coming to the conclusion that for high mortgage, high spend (e.g., business owners) folks who just want to maximize Bilt points earn and don't want to actively manage converting Bilt Cash to Bilt points and usable money (e.g. Lyft, hotel credits, etc.), option 1 is best. Am I missing something?

I do realize I will have to do rent day point transfers for travel, but I don't want to ALSO constantly be trying to get rid of unused Bilt Cash.