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Bilt Palladium Card

50,000 Bilt Points + Gold Status offer
  • 2X points on everyday purchases
  • Earn up to 1.25X points on rent and mortgage payments
  • $400 Bilt Travel Hotel credit
Apply Now Rates & Fees

The Bilt Palladium Card is the crown jewel of the Bilt lineup, offering 2x points on everyday purchases, a 50,000-point welcome bonus, a Priority Pass membership, $200 in annual Bilt Cash, and up to $400 in hotel credits each year. The combination of a flat 2x earning rate with using Bilt Cash for the spending accelerator feature can push daily earning rates to a consistent 3x for a majority of purchases.

While the annual fee is steep, the math very much checks out for the right type of card holder. It's best for high spenders and those with significant housing payments who can extract maximum value from the premium perks and the broader Bilt ecosystem.

Bilt Palladium Card Review →

Earn up to 1.25X points on rent and mortgage payments with no transaction fee, and 2X points on everyday spend.

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See Rates & Fees
Foreign Transaction Fee: $0
Annual Fee: $495
Intro Purchase APR: 10% for the first 12 billing cycles after account opening
Intro Balance Transfer APR: N/A
  • Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
  • 2X points on everyday spend
  • $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
  • Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
  • Priority Pass ($469/year value). See Guide to Benefits.
  • Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
  • Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Earn 50,000 Bilt Rewards

Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.