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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
IssuerColumn N.A.Column N.A.
Card categorytraveltravel
Best earning category (Lyft)3x1x
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 every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
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. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

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, 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 Column N.A. 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.