The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
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.
1.25 - 2X points
$495
26.74 - 34.74% variable
Good Credit, Excellent Credit
Rewards Rates
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
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 reviewThis 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.
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.