Bilt 2.0 changed the game for homeowners. For the first time, you can earn transferable points on your mortgage payment — without paying fees, without hacks, and without juggling multiple high‑annual‑fee cards. We chose the Bilt Obsidian Card ($95/year) because we’re trying to manage the number of premium cards we carry, but still want a reliable way to earn points on our mortgage. Here’s exactly how it works — and how much you need to spend each month to unlock those mortgage points. How Bilt Cash Works (Explained Simply) This is the part most people find confusing, so here’s the simplest way to understand it: Every dollar you spend earns…