If you haven't decided what to do with your Bilt Mastercard®, Bilt has extended the deadline to Feb. 1; the previous cutoff date was Jan. 30.

Now, Feb. 1 is the last day to seamlessly transition from your old card to a new one from the Bilt 2.0 portfolio. While there's a lot to take in around Bilt's 2.0 cards, its tiered system for earning points on rent or mortgage payments and its new rewards currency, don't worry — you don't have to have it all figured out just yet.

Let's take a look at the key decisions to make by tomorrow and what will happen if you don't take action.

A great solo travel tip spotted this week on The Points Guy Articles.

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