Bilt Palladium
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn 50,000 bonus Bilt Points and Bilt Gold elite status after spending $4,000 on non-housing purchases within the first 90 days from account opening, plus $300 in Bilt Cash upon approval (up to $100 of Bilt Cash earned rolls over to the next year). Verified via Frequent Miler and One Mile at a Time as the public welcome offer for the Bilt Palladium Card.
Benefits and fees last verified May 2026against the issuer's published terms.
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.
Earning Rates
At a glance
- $400 Bilt Travel hotel credit
- $200 Bilt Cash every year
- Priority Pass + 2 guests
- Flat 2x on everyday spend
Important considerations
- Annual fee to offset
This card carries a $495 annual fee. Make sure the credits and bonus categories you will actually use are worth more than that every year.
Based on this card's terms last verified May 2026.
Earning rates
4- 1.25x
Earn up to 1.25X Bilt Points per dollar on Bilt Housing Payments (rent, mortgage and HOA) made through the Bilt app or website, with no transaction or processing fee. Under the Housing-only rewards option the multiplier runs 0X to 1.25X based on your Everyday Spend Ratio for the billing cycle, with a minimum floor of 250 Bilt Points per month; under the Flexible Bilt Cash option you unlock up to 1X by redeeming Bilt Cash. Bilt's offer terms scope the no-cap language to that same option: 'No Cap on Housing Points: There is no annual or monthly cap on the number of Bilt Points you may earn on Bilt Housing Payment under Housing-only Option.' The housing rate is the same across all three Bilt tiers
- 2xlodging
Travel: Palladium has no separate travel category multiplier either. Travel earns the flat 2X everyday rate, and booking through the Bilt Travel Portal adds +2X on hotels and +1X on flights, for 4X on hotels and 3X on flights booked at biltrewards.com/travel or in the Bilt app
- 2xtravel
Earn 2X Bilt Points per dollar on all eligible purchases except Bilt Housing Payments. This is a single flat everyday rate with no bonus categories; the higher published rates all come from stacking Bilt Neighborhood, Lyft or Bilt Travel Portal partner bonuses on top of it
- 2xtransit
Lyft: link your Bilt Rewards account to Lyft and set Bilt as the active loyalty partner to earn an additional 2X Bilt Points per dollar on eligible rides, which stacks with the card's 2X everyday rate for 4X total, uncapped and the highest Lyft rate in the Bilt lineup. Separately, Bilt members can redeem $10 of Bilt Cash per month toward Lyft rides, $120 a year. Bilt does not publish a complimentary Lyft Pink membership as a Palladium card benefit
Statement credits
3- $400Bilt Travel Hotel CreditTwice a year
$200 semi-annual Bilt Travel portal hotel credit on stays of 2+ consecutive nights
- $200Bilt Cash Annual BonusYearly
$200 annual Bilt Cash bonus (redeemable against eligible spend)
- $300Bilt Cash redemption menu, not extra card credits
Bilt Cash redemption menu, not extra card credits: the headline figures Bilt publishes for Bilt Cash (up to $300 a year of Bilt Dining partner restaurant credit at one visit per month up to $25, $120 a year of Lyft credit at $10 a month, $120 a year of Grubhub credit, up to $1,200 a year of Bilt Travel hotel credit, and more) are redemption options on a menu, available to every Bilt member including non-cardholders, and they are funded out of your Bilt Cash balance. They are not additional card statement credits and they do not add to the card's annual credit value. The published option ceilings sum to several thousand dollars a year, far beyond any balance a Palladium cardholder actually holds, so they cap what you may redeem rather than promise what you receive. Palladium's only recurring card credits under Bilt's Card Offer Terms are the $200 annual Bilt Cash and the $400 Bilt Travel Hotel credit, $600 a year in total
Perks & memberships
3- Authorized users$495 annual fee for the primary cardmember, plus $95 per authorized user per year, positioning Palladium as the top tier of Bilt's three-card portfolio (Bilt Blue at $0, Bilt Obsidian at $95, Bilt Palladium at $495). All three are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated; Cardless Inc. is the servicer and is a financial technology company, not a bank
- Lounge accessComplimentary Priority Pass membership for the primary cardmember plus up to two guests per visit; additional guests are $35 each per visit. The Mastercard Guide to Benefits for this card cites 1,700+ lounges in 120 countries and over 400 airports, while Bilt's Palladium product page cites 1,300+. Authorized users also receive Priority Pass access
- No foreign feesNo foreign transaction fees on purchases made outside the United States or in foreign currencies
Travel & purchase protections
5- Cell phone protection: when the primary monthly cell phone bill is paid with the Bilt Palladium Card, the cardmember and listed authorized users on the bill receive coverage for damage or theft of their phones, subject to Mastercard's published per-claim limit and annual claim cap in the World Legend Mastercard Guide to Benefits for this card
- Auto rental collision damage waiver (MasterRental): when you decline the rental company's collision damage waiver and charge the full rental to the card, you are covered for physical damage, theft and reasonable loss of use on rentals of 31 consecutive days or less. The Mastercard Guide to Benefits for this card states the coverage pays on a secondary basis, behind your own auto insurance and the rental agency's waiver, and is considered primary only where you have no other insurance covering you outside the United States
- Trip cancellation and trip interruption coverage: nonrefundable amounts paid to a common carrier with the card are reimbursed when a covered loss cancels or interrupts a trip. Per the World Legend Mastercard Guide to Benefits for this card, covered losses are limited to accidental bodily injury, loss of life, or sickness of the eligible traveler, a traveling companion, or a family member of either, and 'The maximum benefit amount is $2,000 per Covered Trip and $5,000 per Eligible Account per 12 consecutive month period.' Coverage is secondary to and in excess of any other applicable insurance
- Trip delay reimbursement: when a trip purchased entirely with the card is delayed more than 6 hours while traveling to your destination or return destination, the card reimburses travel expenses resulting from the delay. Per the World Legend Mastercard Guide to Benefits for this card, coverage is limited to $300 per trip and 1 claim per 12 month period, the covered delay causes are inclement weather, documented equipment failure of the common carrier, and lost or stolen passport or travel documents, and coverage is secondary to any other applicable insurance
- Issued on the World Legend Mastercard network, Mastercard's tier above World Elite. The Guide to Benefits for this card is the World Legend Mastercard guide and includes The Mastercard Collection, World Legend merchant benefits, Mastercard ID Theft Protection, Mastercard Priceless Experiences, and Zero Liability protection against unauthorized use
More benefits & fine print (3)ShowHide
- Dining: Palladium has no separate dining category multiplier. Restaurant spend earns the card's flat 2X everyday rate, and at participating Bilt Neighborhood Dining restaurants a variable partner bonus stacks on top, usually +2X to +3X, for up to 5X total. The stacked rate varies by restaurant and is shown in the Bilt app at the time of purchase
- $200 of Bilt Cash each calendar year, credited automatically to your Bilt Rewards account at account opening and then on January 1 of each subsequent year the account stays open and in good standing. It is spendable dollar for dollar across the Bilt ecosystem, and up to $100 of unused Bilt Cash rolls into the next year
- Bilt does not publish a single cents-per-point value. Bilt Rewards support states the redemption option and the specific partner 'can yield an incredibly wide range of value per Bilt Point, which is why we don't publish an exact single value for a Bilt Point.' Any 1.65 cents figure is a third-party estimate, not a Bilt valuation
Before you decide, weigh alternatives
Lower-fee cards in the same category. A cheaper card can be the better fit if you will not use enough perks to earn back a bigger fee.
Transfer Partners
Full guide →Bilt Rewards points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $4,000 in the first 3 months to earn the 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status bonus.
See the Current Offer
Earn 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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