Bilt Palladium Card
- Best for: Renters and homeowners who’ll book two Bilt Travel hotel stays a year
- What Sets It Apart: Points on rent and mortgage, paid fee-free through Bilt, plus 2X on everything else
- Welcome Offer: 50,000 points plus Gold status after $4,000 in purchases outside rent and mortgage in your first 90 days; $300 in Bilt Cash at account opening
- Rewards: 4X on hotels booked through Bilt Travel and 3X on flights there; 2X on other purchases; up to 1.25X on rent and mortgage; 1.25 cents a point toward a hotel stay
- Features: $400 a year in Bilt Travel hotel credits and $200 in Bilt Cash, becoming $600 in Bilt Cash a year from your first anniversary in 2027 by default; Priority Pass lounge access; trip, luggage, and phone coverage
- Annual Fee: $495
- APR: 26.99% to 34.99% variable
- Cost: 5% balance transfer and cash advance fees ($5 minimum); no foreign transaction fees; $95 per authorized user
- Pros: One 2X rate; $600 in yearly credits at face value; lounge access for you and two guests
- Cons: Hotel credits need Bilt Travel stays of two or more nights; Bilt Cash can’t be cashed out; rent earns what the no-fee Bilt Blue earns
Get the Bilt Palladium Card if you’ll book two hotel stays a year through Bilt’s travel site and spend its Bilt Cash, since those credits are worth $600 against its $495 annual fee. Skip it if you won’t, because its 2 points per dollar take heavy spending to earn back the fee over the no-fee Bilt Blue.
The Palladium is the priciest of Bilt’s three cards for renters and homeowners and the only one with airport lounge access and 2 points per dollar (2X) on purchases outside rent and mortgage. Column N.A. issues all three.
Key Features
- $495 annual fee, $95 a year per authorized user, and no foreign transaction fees
- 4X on hotels booked through Bilt Travel, Bilt’s booking site, and 3X on flights booked there
- No transaction fee for paying rent by card through Bilt, which takes mortgage payments too, and up to 1.25X on the payment
- $400 a year in Bilt Travel hotel credits and $200 in Bilt Cash, credit for Bilt’s partners such as Lyft and Grubhub, both replaced by default with $600 in Bilt Cash a year from your first card anniversary in 2027
- 50,000 points and Gold status in Bilt’s loyalty program after $4,000 in purchases outside rent and mortgage in your first 90 days, plus $300 in Bilt Cash at account opening
Pros
- A flat 2X outside rent and mortgage, with no categories to track
- Credits worth $600 a year at face value, $105 more than the fee
- Priority Pass airport lounge membership for you and two guests
- Trip cancellation, trip delay, lost luggage, baggage delay, and cell phone coverage
Cons
- Hotel credit only on Bilt Travel stays of two nights or more, $200 per half-year with no rollover
- Bilt Cash can’t be cashed out and lasts 12 months
- Rent and mortgage earn no more than on the no-fee Bilt Blue
- At the 1.25 cents a point Bilt gives toward hotel stays, the extra point per dollar over the Blue’s 1X earns back the fee only past about $39,600 a year in purchases, by our math
Travelers who’ll book two Bilt Travel hotel stays a year and spend the Bilt Cash come out ahead, since $600 in credits covers the $495 fee. Readers who’d skip the credits do better with the Blue unless they charge more than about $39,600 a year, or with the $95 Bilt Obsidian for 3X on dining or groceries.
Learn more about the Bilt Palladium Card or see how it compares to the best travel rewards credit cards.
Bilt Palladium Card
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