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Bilt Palladium Card
Bilt Palladium Card costs $495 annual fee and earns up to 2× on everyday spending. It also carries $200 of statement credits a year, which is where a lot of its real value sits. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Bilt Palladium Card returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $495 annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 2.2¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 50,000 points
- About $1,100 if you redeem at 2.2¢ a point, and only if you clear the spending requirement.
- Credits a year
- $200
- What the calculator counts, after discounts for perks most people do not use in full.
- Foreign transaction fee
- none
What the Bilt Palladium Card earns
Hotels and rental cars through the issuer's travel site
4×
Only through the issuer's portal
Lyft
4×
Flights through the issuer's travel site
3×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 4× | Only through the issuer's portal |
| Lyft | 4× | |
| Flights through the issuer's travel site | 3× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Bilt Palladium Card right for you?
Enter a typical month. You will see what the Bilt Palladium Card returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Bilt Obsidian Card (Dining) Top for your numbers
3× dining, 2× travel; 1× everything else. $95 annual fee.
Rewards $803 · Fee −$95
+$708
3× groceries, 2× travel; 1× everything else. $95 annual fee.
Rewards $803 · Fee −$95
+$708
+$609
+$552
How we estimate
- Every rate on this page comes from the card catalog. Bilt Palladium Card pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 2.2¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"bilt-palladium","name":"Bilt Palladium Card","fee":495,"cpp":0.022000000000000002,"base":2,"credits":200},{"key":"bilt-obsidian-card-dining","name":"Bilt Obsidian Card (Dining)","fee":95,"cpp":0.022000000000000002,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["travel"],"rate":2}]},{"key":"bilt-obsidian-card-grocery","name":"Bilt Obsidian Card (Grocery)","fee":95,"cpp":0.022000000000000002,"base":1,"earn":[{"inputs":["groceries"],"rate":3},{"inputs":["travel"],"rate":2}]},{"key":"bilt-blue","name":"Bilt Blue Card","fee":0,"cpp":0.022000000000000002,"base":1}]}What comes with it
Welcome bonus
50,000 points
About $1,100 if you redeem at 2.2¢ a point, and only if you clear the spending requirement.
Points and partners
Bilt Rewards
Transferable to airline and hotel partners.
Airlines
Aer Lingus, Air Canada, Air France-KLM, Alaska Airlines, Atmos Rewards, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, Iberia, Japan Airlines, Qatar Airways, Southwest, Spirit, TAP Air Portugal, Turkish Airlines, United, Virgin Atlantic
Hotels
Accor (3:2), World of Hyatt, IHG, Marriott, Hilton, Wyndham
Credits and perks
| Credit | Sticker value | Counted |
|---|---|---|
| Bilt Cash Counted at $100 because most people do not use the full $200. $200 a year in Bilt Cash, which only spends inside Bilt (point unlocks on rent, Bilt Travel hotel perks, partner offers) and expires above $100 at year end, so it counts at half its face value. | $200 | $100 |
| Priority Pass lounge membership Counted at $100 because most people do not use the full $469. Priority Pass costs up to $469 a year on its own, but most people visit a few lounges a year and many already hold another card with it, so it counts as $100 and only once per wallet. | $469 | $100 |
Sticker value is the full face amount. Counted is what the calculator credits, which is lower where most people do not use the perk in full.
Where this data came from
Checked bilt.com 2026-10-05. $495 annual fee. The public welcome offer is 50,000 Bilt points and Gold status after $4,000 in non-housing purchases in the first 90 days, plus $300 of Bilt Cash on approval with no minimum spend. 2x on everything outside Bilt Travel, 3x on Bilt Travel flights, 4x on hotels through the Bilt Travel portal, 4x on Lyft, with housing-only tiers up to 1.25x. The $400 hotel credit is paid as two $200 statement credits, needs a stay of two nights or more booked through the Bilt Travel portal, and does not roll over between halves of the year.
FAQ
The Bilt Palladium Card charges $495 a year. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use.
2× on everyday spending, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. It also carries $200 of credits we can count, but only count them if you would spend that money anyway. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 50,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 2.2¢ a point that is about $1,100, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Bilt Rewards, which you can transfer to the partners below. Airlines: Aer Lingus, Air Canada, Air France-KLM, Alaska Airlines, Atmos Rewards, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, Iberia, Japan Airlines, Qatar Airways, Southwest, Spirit, TAP Air Portugal, Turkish Airlines, United, Virgin Atlantic. Hotels: Accor (3:2), World of Hyatt, IHG, Marriott, Hilton, Wyndham. Transfers are what make a 2.2¢ valuation reachable; using the points for cash back is worth far less.
No. The Bilt Palladium Card charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.