Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Bilt Blue vs Bilt Palladium

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless 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

Both cards come from Bilt / Cardless and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Bilt Palladium costs $495 more per year, only worth it if you'll actually use the upgraded perks.

FeatureBilt BlueBilt Palladium
Annual fee$0$495
Sign-up bonus$100 Bilt Cash50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Bonus value (est.)$100$1,125
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / CardlessBilt / Cardless
Card categorytraveltravel
Best earning category (Rent)1x1x
Transfer partnersbiltbilt
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026 by Cardless. Flat 1x earn (no bonus categories — those live on Obsidian and Palladium). Best for renters who want the no-fee anchor + full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day still doubles everyday earn on the 1st.

Editorial take: Bilt Palladium

Bilt 2.0's top tier ($495 AF), launched February 7, 2026 by Cardless. Stacks $400 hotel + $200 Bilt Cash + the Obsidian benefit set + Priority Pass with 2 guests. For Bilt loyalists who already hit the rent-day game hard, the math works; for everyone else, Obsidian is plenty.

Common questions

Which card has the bigger sign-up bonus, Bilt Blue 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 $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Bilt Palladium?
The Bilt Blue 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 Bilt Blue.
Can I have both the Bilt Blue and Bilt Palladium?
Yes, though both are issued by Bilt / Cardless so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Bilt Blue or the Bilt Palladium first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $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.