Bilt Palladium Card
| Annual fee | $495 Fact |
| Foreign transaction fee | None |
| Rewards currency | Bilt Points |
| Est. point value | 2.20¢ Estimate |
Last updated Sep 10, 2026
Checked Sep 10, 2026
📈 Sign-up bonus history
5-year best: 50,000 pointsView as a table
| Period | Bonus | Spend requirement |
|---|---|---|
| Jul 2026 to Aug 2026 · 24 days | 50,000 points Best | $4,000 |
| Aug 2026 to Sep 2026 · 22 days | 50,000 points plus Bilt Gold elite status Best | $4,000 |
| Sep 2026 to now · 10 days | 50,000 points plus Gold Status Best | $4,000 |
Historical levels reconstructed from periodic snapshots of public offer pages; short-lived offers between samples may be missing. Elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel | 3x | points | No cap |
| Everything else | 2x | Bilt Points | No cap |
| Rent and mortgage payments | 1.25x | Bilt 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 (Semiannual) |
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
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 collision damage waiver: reimbursement 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
$200 of Bilt Cash awarded annually; up to $100 of Bilt Cash rolls over into the next calendar year.
Cardholder-exclusive benefit: no transaction fees when paying rent or mortgage through Bilt.
Redeem $200 of Bilt Cash to earn 1 extra point per dollar on your next $5,000 of everyday spending. Available up to five times per calendar year.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
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Article Aug 16, 2026The Bilt Trifecta: What Paying Rent With Bilt Really Earns
What the Bilt Blue, Obsidian, and Palladium cards really earn on rent and mortgage payments, with the breakeven math and the bonuses you give up.