Our illustration, not the card’s design
Bilt credit card
Bilt Blue Palladium Card
$495 a year.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · bilt.com
“$495”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · bilt.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | −$340 | −$340 | |
| Typical spender | −$85 | −$85 | |
| Heavy spender | $380 | $380 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt: up to 1.25X, scaled by everyday spend as a share of the housing payment (0.5X at 25%, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more; 250 points if below 25%); points valued at an assumed 1¢; not counted: 2x Flights booked on Bilt Travel Portal; not counted: 3x Hotels booked on Bilt Travel Portal.
−$340a year
The same in the first year and after.
Rewards and credits$155
−$340 after the fee−$495 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt: up to 1.25X, scaled by everyday spend as a share of the housing payment (0.5X at 25%, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more; 250 points if below 25%); points valued at an assumed 1¢.
−$85a year
The same in the first year and after.
Rewards and credits$410
−$85 after the fee−$495 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt: up to 1.25X, scaled by everyday spend as a share of the housing payment (0.5X at 25%, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more; 250 points if below 25%); points valued at an assumed 1¢.
$380a year
The same in the first year and after.
Rewards and credits$875
You keep $380−$495 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt: up to 1.25X, scaled by everyday spend as a share of the housing payment (0.5X at 25%, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more; 250 points if below 25%); not counted: 2x Flights booked on Bilt Travel Portal; not counted: 3x Hotels booked on Bilt Travel Portal; points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Other points cards with fees over $300
- PalladiumBilt · $495 a year+$300 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$135 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year+$60 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Bilt Rewards
How you earn
- 4×
- Bilt partner restaurants (20,000+ U.S. restaurants); up to 4X
- 3×
- Hotels booked on Bilt Travel PortalLyft rides after linking Bilt and Lyft accounts in the Bilt app
- 2×
- Flights booked on Bilt Travel Portal
- 1.25×
- Rent and mortgage payments made through Bilt: up to 1.25X, scaled by everyday spend as a share of the housing payment (0.5X at 25%, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more; 250 points if below 25%)
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- No foreign transaction fees
- No transaction fee on rent and mortgage payments made through Bilt
- Bilt Travel Portal bookings with any airline or hotel brand (redemption)
- Cell phone
- Purchase protection
All 13 benefits
- Rental car
- Trip cancellation
- Trip delay
- Extended warranty
- Baggage
- Baggage
- Price protection
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bilt.com “$495” |
|---|---|
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · bilt.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)