Bilt Palladium Card

Bilt · Mastercard · 4.0

Earn 50,000 Bilt Points + Bilt Gold status after you spend $4,000 on purchases (excluding rent or mortgage) in the first 90 days, plus $300 in Bilt Cash on approval.

KritScore57Fair≈ $1,000 value

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Offer last updated Oct 11, 2026 · Issuer’s rates & fees ↗

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Rewards

up to 5x Bilt partner restaurants · 4x hotels via Bilt Travel · 4x Lyft (linked) · 3x flights via Bilt Travel · 2x everything else · up to 1.25x rent & mortgage (scales with everyday spend)

Annual Fee

$495

Purchase Intro APR

10% intro APR on new eligible purchases for 12 billing cycles

Balance Transfer APR

—

Regular APR

26.74%–34.74% variable

Credit Needed

Excellent

📖 Read the full guide: Bilt Rewards Guide: Earn Points on Rent With No Fee

See whether this is your next card in Points Path, or add it to your Rewards Wallet to track its perks.

Where these points can take you

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Bilt Rewards: transfer partners and best uses

Perks

$400 Bilt Travel hotel credit ($200 twice a year)
$200 Bilt Cash every year
Priority Pass membership for you + 2 guests
Points on rent & mortgage with no transaction fee
25 airline & hotel transfer partners
Cell phone protection
MasterRental car rental coverage
Trip cancellation/interruption, trip delay, lost luggage & baggage delay insurance
Purchase assurance, extended warranty & price drop protection
No foreign transaction fees

Lounge access

Priority Pass Select · 173 in our 77-airport directory

2 free guests; then $35 per guest

Primary cardholder rules, checked against the issuer's pages on 2026-10-11. Authorized users can differ — the checker handles that.

See which lounges this card gets you into

Bilt Rewards partners

Move your points to these airline & hotel programs.

Aer Lingus AerClub1:1

Air Canada Aeroplan1:1

Air France-KLM Flying Blue1:1

Amtrak Guest Rewards2:1

Atmos Rewards (Alaska & Hawaiian)1:1

Avianca LifeMiles1:1

British Airways Club1:1

Cathay Pacific Asia Miles1:1

Emirates Skywards1:1

Etihad Guest1:1

Iberia Club1:1

Japan Airlines Mileage Bank1:1

Qatar Airways Privilege Club1:1

Southwest Rapid Rewards1:1

TAP Air Portugal Miles&Go1:1

Turkish Airlines Miles&Smiles1:1

United MileagePlus1:1

Virgin Atlantic Flying Club1:1

Virgin Red1:1

Accor Live Limitless3:2

Hilton Honors1:1

I Prefer Hotel Rewards1:2

IHG One Rewards1:1

Marriott Bonvoy1:1

World of Hyatt1:1

Wyndham Rewards1:1

See how many miles your points become at each partner →

Full review

Bilt's premium card for big spenders who want 2x on everything plus points on rent or mortgage. The $400 hotel credit, $200 of Bilt Cash a year and Priority Pass can return more than the $495 fee.

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Advertiser disclosure: we may be compensated when you apply through links on this page. Terms apply — see the issuer’s Rates & Fees. Transfer ratios can change; verify with the issuer before transferring.