Bilt Palladium Card
| Annual fee | $495 Fact |
| Foreign transaction fee | None |
| Rewards currency | Bilt Points |
| Est. point value | 2.20¢ Estimate |
Last updated Oct 26, 2026
Checked Oct 26, 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 Oct 2026 · 2 mo | 50,000 points plus Gold Status Best | $4,000 |
Based on the public offers we have on record over time. Short-lived offers may not appear, and elevated or targeted offers are not shown.
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel Up to 4X points on hotels and flights booked on the Bilt Travel Portal. |
4x | n/a | No cap |
| Everything else | 2x | Bilt Points | No cap |
| Rent and mortgage payments | 1.25x | Bilt Points | No cap |
Conditional earning rates
| Rate | When it applies |
|---|---|
| 1x | A point accelerator adds 1X to your category spend, up to $5,000, for the Palladium card, unlocked using Bilt Cash. |
| 4x | 4X on Lyft rides after linking your Bilt and Lyft accounts. |
| 5x | Earn up to 5X points at Bilt Neighborhood Dining partner restaurants, 2X base plus a 2X to 3X bonus that varies by restaurant. |
Recurring credits
Estimated value| $400 Bilt Travel Hotel credit applied twice a year as $200 statement credits for qualifying Bilt Travel Portal hotel bookings. Primary cardmember only
|
$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
Earn Bilt Elite Status even faster when you spend with your Bilt Card.
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.
Authorized users on the Bilt Palladium
Card facts$95 a year for each authorized user.
Each authorized user gets
- Baggage delay insurance
- Cellular wireless telephone protection
- Extended warranty
- Lost or damaged luggage insurance
- Masterrental collision damage waiver
- Priority Pass membership
- Purchase assurance
- Trip cancellation and interruption protection
- Trip delay reimbursement
Primary cardmember only
- Annual Bilt Cash
- Bilt travel hotel credit
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
-
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.