Bilt Palladium Card
| Annual fee | $495 Fact |
| Foreign transaction fee | None |
| Rewards currency | points |
| Est. point value | 2.20¢ Estimate |
Last updated Jul 26, 2026
Checked Jul 26, 2026
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Restaurants | 5x | points | No cap |
| Transit and rideshare | 4x | points | No cap |
| Hotels | 4x | points | No cap |
| Flights | 3x | points | No cap |
| Everything else | 2x | points | No cap |
| Other | 1.25x | points | No cap |
Recurring credits
Estimated value| $400 Bilt Travel Hotel credit applied twice a year as $200 statement credits for qualifying Bilt Travel Portal hotel bookings | $400/yr (one-time/annual) |
| $200 of Bilt Cash awarded annually across the Bilt ecosystem; up to $100 rolls over into the next calendar year | $200/yr (Calendar Year) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsPriority Pass lounge access worth $469/year, providing access to 1,300+ airports
Earn Bilt Elite Status even faster when spending with the Bilt Card
No foreign transaction fees when traveling internationally
Price Drop Protection benefit included on the Palladium Card
Lost or Damaged Luggage Insurance included on the Palladium Card
Baggage Delay Insurance included on the Palladium Card
Extended Warranty protection included on the Palladium Card
Trip Delay Reimbursement included on the Palladium Card
Trip Cancellation and Interruption Protection included on the Palladium Card
MasterRental Coverage reimburses for covered damage or theft to a rental car
Purchase Assurance benefit included on the Palladium Card
Cellular Wireless Telephone Protection benefit included on the Palladium Card
Get a limited edition mirror card design with the Bilt Palladium Card, paired with a premium microfiber cloth, while supplies last
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.