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BECU Secured Low Rate Credit Card vs Bilt Palladium
Both are well-respected travel cards. The BECU Secured Low Rate Credit Card comes from BECU at $0/yr; the Bilt Palladium from Bilt / Cardless at $495/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Bilt Palladium is the stronger pick today, the sign-up bonus is meaningfully larger ($1,125 more in estimated value) than the BECU Secured Low Rate Credit Card's. Get the Bilt Palladium first; revisit the BECU Secured Low Rate Credit Card after you've earned that bonus.
| Feature | BECU Secured Low Rate Credit Card | Bilt Palladium |
|---|---|---|
| Annual fee | $0 | $495 |
| Sign-up bonus | No welcome bonus | 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status |
| Bonus value (est.) | $0 | $1,125 |
| Min spend to unlock bonus | $0 in 0 mo | $4,000 in 3 mo |
| Issuer | BECU | Column N.A. |
| Card category | low-interest | travel |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
|
Read the full review
BECU Secured Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Editorial take: Bilt Palladium
Bilt 2.0's top tier ($495 AF), launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer. A flat 2x everyday card that stacks $400 of Bilt Travel hotel credit, $200 of Bilt Cash a year, and Priority Pass with 2 guests. It does not have Obsidian's 3x category, so it wins on credits and lounge access rather than on multipliers. For Bilt loyalists who use the hotel credit and the lounges, the math works; for everyone else, Obsidian is plenty.
Common questions
- Which card has the bigger sign-up bonus, BECU Secured Low Rate Credit Card or Bilt Palladium?
- The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus No welcome bonus (~$0) on the BECU Secured Low Rate Credit Card.
- Is the BECU Secured Low Rate Credit Card's $0 annual fee worth it compared to the Bilt Palladium?
- The BECU Secured Low Rate Credit Card has no annual fee, so the question is whether the Bilt Palladium's $495 fee is justified by its perks. If you'll use enough of the Bilt Palladium's benefits to clear $495 in value annually, it's worth it; otherwise stick with the BECU Secured Low Rate Credit Card.
- Can I have both the BECU Secured Low Rate Credit Card and Bilt Palladium?
- Yes, since they're from different issuers (BECU and Column N.A.) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Secured Low Rate Credit Card or the Bilt Palladium first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Secured Low Rate Credit Card: $0 spend in 0 months. Bilt Palladium: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.