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.
Earn 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.
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.
Earning Rates
At a glance
- $400 Bilt Travel hotel credit
- $200 Bilt Cash bonus
- Priority Pass + 2 guests
- All Obsidian-tier benefits
Earning rates
4- 2x
Earn 2x Bilt Points per dollar on rent payments with no transaction or processing fees, up to $100,000 in rent spend per calendar year (rent earning is uncapped on lower Bilt cards at 1x; Palladium uniquely doubles the rate to 2x within the $100K cap)
- 5xdining
Earn 5x Bilt Points per dollar on dining purchases, including restaurants, takeout, and eligible food delivery (the highest publicly available rate on a transferable-points card in the dining category at the Palladium fee tier)
- 4xlodging
Earn 4x Bilt Points per dollar on travel purchases, including airfare, hotels, car rentals, cruises, taxis, ride-share, parking, tolls, trains, buses, ferries, and travel agencies
- 3xeverything else
Earn 3x Bilt Points per dollar on all other eligible non-housing purchases (a category-agnostic everyday rate that exceeds the flat 2x earn rates typical at competing premium cards)
Statement credits
6- $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 Dining Partner CreditMonthly
Up to $25/visit/month at Bilt Dining partner restaurants ($300 annual cap)
- $120Lyft CreditMonthly
$10/month Lyft credit redeemed via Bilt Cash
- $400Up to $400 annual dining credit, automatically applied as statement credits on eligible restaurant purchases (delivered in monthly or semi-annual installments per Bilt's published cadence; the $400 cap resets each cardmember anniversary year)
- $200Up to $200 annual hotel credit on direct hotel bookings made with the card (booked directly with the hotel brand or property, not through online travel agencies); statement credit posts automatically on qualifying purchases up to the $200 annual cap
Perks & memberships
3- Lounge accessComplimentary Priority Pass Select membership with unlimited visits for the primary cardmember plus up to 2 guests per visit at 1,500+ airport lounges and Priority Pass restaurants worldwide
- MembershipComplimentary Lyft Pink All Access membership (Lyft's top-tier rideshare subscription, retail value $199/year), which bundles priority pickup, member-exclusive pricing, free Classic Lyft cancellations, free upgrades when available, Grubhub+ membership, and other Lyft Pink perks
- 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 on World Elite Mastercards
- Primary auto rental collision damage waiver (CDW): when the rental company's collision damage waiver is declined and the full rental is charged to the card, coverage is primary in the United States and abroad on rentals up to the Mastercard World Elite period limit, reimbursing for collision, theft, and loss of use
- Trip cancellation and trip interruption coverage: nonrefundable trip costs charged to the card are reimbursed when a covered loss (covered illness, injury, severe weather, jury duty, military orders, or other listed reasons) cancels or interrupts a trip, subject to Mastercard World Elite per-trip and per-account limits
- Trip delay reimbursement: when a common-carrier trip charged to the card is delayed beyond the qualifying threshold (typically 6+ hours or overnight) due to a covered reason, the card reimburses reasonable additional expenses such as meals, lodging, and toiletries, subject to Mastercard World Elite limits
- Issued on the World Elite Mastercard network, which carries Mastercard's premium World Elite benefit suite including Mastercard Travel & Lifestyle Services, 24/7 Mastercard Global Concierge, Mastercard ID Theft Protection, Mastercard Priceless Experiences, and Zero Liability protection against unauthorized use
Transfer Partners
Full guide →Bilt Rewards points transfer to these loyalty programs:
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
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