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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Bilt Palladium Card card art
Bilt Palladium 1 of 1
Comparing 1 card
Bilt Palladium Card card art
BILT
Bilt Palladium
Apply Details
Cost and value $495 fee
Annual fee
$495
Credits you can use a year, if you use every one
$400
Fee after credits
$95 a year net cost
Point value per point or mile
2.20¢ Estimate
Rewards currency
Bilt Points
Foreign transaction fee
None
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus No current offer
Bonus
No current offer
Estimated value
Not listed
Spend to earn it less a month is easier
No current offer
Earning rates Top rate 4x
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Flights
2x about 4.4% back, the everything-else rate
  • 4x via the issuer portal, about 8.8%
Hotels
2x about 4.4% back, the everything-else rate
  • 4x via the issuer portal, about 8.8%
Everything else
2x about 4.4% back
Only on this card
  • 1.25x Rent and mortgage payments
Statement credits $400 a year
Travel booking
  • $400 a year $200 every 6 months
    What counts

    $400 Bilt Travel Hotel credit applied twice a year as $200 statement credits for qualifying Bilt Travel Portal hotel bookings.

Monthly credits to track fewer is less work
0
Transfer partners 27 partners
Partners
27
Alliance reach
Oneworld, SkyTeam, and Star Alliance
Accor Live Limitless
3:2
Aer Lingus AerClub
1:1
Air Canada Aeroplan
1:1
Air France-KLM Flying Blue
1:1
Amtrak Guest Rewards
2:1
Atmos Rewards (Alaska Airlines + Hawaiian Airlines)
1:1
Avianca LifeMiles
1:1
British Airways Club
1:1
Cathay Pacific Asia Miles
1:1
Emirates Skywards
1:1
Etihad Guest
1:1
Hilton Honors
1:1
I Prefer Hotel Rewards
1:2
IHG One Rewards
1:1
Iberia Club
1:1
Japan Airlines Mileage Bank
1:1
JetBlue TrueBlue
1:1
Marriott Bonvoy
1:1
Qatar Airways Privilege Club
1:1
Southwest Rapid Rewards
1:1
TAP Air Portugal Miles&Go
1:1
Turkish Airlines Miles&Smiles
1:1
United MileagePlus
1:1
Virgin Atlantic Flying Club
1:1
Virgin Red
1:1
World of Hyatt
1:1
Wyndham Rewards
1:1
Status, lounges and travel 1 lounge benefit
Other status perks
  • Earn Bilt Elite Status even faster when you spend with your Bilt Card.
Airport lounges
  • Priority Pass lounge access worth $469/year, providing access to 1,300+ airports $469
Protection and insurance 6 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Trip delay
  • Baggage Delay Insurance included on the Palladium Card
  • Trip Delay Reimbursement included on the Palladium Card
Trip cancellation
  • Trip Cancellation and Interruption Protection included on the Palladium Card
Baggage
  • Lost or Damaged Luggage Insurance included on the Palladium Card
Rental car
  • MasterRental collision damage waiver: reimbursement for covered damage or theft to a rental car.
Extended warranty
  • Extended Warranty protection included on the Palladium Card
Other coverage
  • Price Drop Protection benefit included on the Palladium Card
  • Purchase Assurance benefit included on the Palladium Card
  • Cellular Wireless Telephone Protection benefit included on the Palladium Card
Lifestyle and other perks 2 perks
Other perks
  • $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 Paid
Cost
$95 a year for each authorized user.
Each one 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
Application rules No known rules
Issuer approval rules
Not listed
Bonus eligibility
Not listed
Card type
Personal