Name: Bilt Palladium Card
Brand: Bilt

50,000 Bilt Points + Gold Status + $300 of Bilt Cash

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.

at Bilt's secure site.
Terms & restrictions apply. See rates & fees.

Rewards Rates
1.25 - 2X points
Annual Fee
$495
Regular APR
26.74 - 34.74% variable
Recommended Credit
Good Credit, Excellent Credit

at Bilt's secure site.
Terms & restrictions apply. See rates & fees.

At a glance

Rewards Rates

1.25X: Earn up to 1.25X points on rent and mortgage payments with no transaction fee
2X: Earn 2X points on everyday purchases

Intro Offer

50,000 Bilt Points + Gold Status + $300 of Bilt Cash

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.

Introductory Purchases APR

10% Intro APR for the first 12 billing cycles after account opening

Ongoing Purchases APR

26.74 - 34.74% variable

Ongoing Balance Transfer APR

26.74 - 34.74% variable

Ongoing Cash Advance APR

31.74 - 34.74% variable

Annual Fee

$495

Recommended Credit

Good Credit, Excellent Credit

More Details

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

Our Take

TPG Editor's Rating

4 / 5

Overview

The Bilt Palladium Card is designed for members who want a premium rewards experience centered on everyday spending without the friction of tracking bonus categories. With elevated earnings on nonhousing purchases, the ability to earn points on rent and mortgage payments, airport lounge access, plus an annual hotel travel credit, it brings together flexibility and simplicity in a single card.

Read the full review

Pros

Earn up to 1.25 Bilt Point per dollar spent on rent and mortgage payments
Elevated everyday earnings with both Bilt Points and the option to earn Bilt Cash
$400 Bilt Travel Portal hotel credit per year (up to $200 biannually)
$200 Bilt Cash annually
Priority Pass membership
No foreign transaction fees

Cons

Moderate annual fee
Designed primarily for members seeking a premium, all-in-one card

Who is this card good for?

This card is ideal for members who want a premium card they can rely on for nearly all spending, including everyday expenses, housing payments and travel, without needing to manage rotating or capped categories.

Earning rewards

Cardholders can earn elevated rewards on everyday purchases through a dual-earning structure that includes both Bilt points and Bilt Cash. On rent and mortgage payments, cardholders can earn unlimited up to 1.25 Bilt points per dollar spent (as long as that is the selected earning option). Bilt points can be transferred 1:1 to over 20 airline and hotel partners, used toward future rent or mortgage payments or redeemed across the Bilt ecosystem. Bilt Cash can be applied dollar-for-dollar toward fitness bookings, hotel stays, ridesharing services and more. Up to $100 of Bilt Cash earned rolls over to the next year.