Our illustration in the card’s colours, not its design
Bilt credit card
Bilt Palladium Blue Card
No annual fee. 50,000 Bilt Points after you spend $4,000 in 3 months. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · bilt.com
“50,000 Bilt Points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · bilt.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · bilt.com
“No foreign transaction fees†”
Select an underlined figure to see where it comes from.
Bilt’s terms
Welcome offer
50,000 Points
After you spend $4,000 on purchases in your first 3 months.
- Spending it takes
- $1,333 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
Earned with Bilt Gold status after the spend requirement. Gold status is valid for the rest of the calendar year earned, the full following calendar year, and through January 15 of the year after that. Also $300 Bilt Cash deposited on approval, with no spend required.
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 | −$220 | −$220 | |
| Typical spender | $715 | $215 | |
| Heavy spender | $1,540 | $1,040 |
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, up to 1.25X based on everyday spend each billing cycle (0.5X to 1.25X tiers); no annual or monthly cap; not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 Bilt Cash); points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months; not counted: 3x Flights booked on Bilt Travel Portal; not counted: 4x Hotels booked on Bilt Travel Portal.
−$220a year
The same in the first year and after.
Rewards and credits$275
−$220 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, up to 1.25X based on everyday spend each billing cycle (0.5X to 1.25X tiers); no annual or monthly cap; not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 Bilt Cash); points valued at an assumed 1¢; welcome bonus needs $4,000 in 3 months.
$215a year
$715 the first year, with the welcome bonus.
Rewards and credits$710
You keep $215−$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, up to 1.25X based on everyday spend each billing cycle (0.5X to 1.25X tiers); no annual or monthly cap; not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 Bilt Cash); points valued at an assumed 1¢.
$1,040a year
$1,540 the first year, with the welcome bonus.
Rewards and credits$1,535
You keep $1,040−$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, up to 1.25X based on everyday spend each billing cycle (0.5X to 1.25X tiers); no annual or monthly cap; not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 Bilt Cash); not counted: 3x Flights booked on Bilt Travel Portal; not counted: 4x 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
Worth more to a typical spender than about 65% of the 732 cards we track.
- No annual fee, like about 85% of the 711 cards we track.
Other points cards with no annual fee
- Kirtland FCU VISA PLATINUM REWARDSKirtland Federal Credit Union · No annual fee+$540 a year
- CareCredit MastercardSynchrony · No annual fee+$495 a year
- Advanced Financial FCU Everyday Rewards VisaAdvanced Financial Federal Credit Union · No annual fee+$480 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
Rewards
How you earn
- 5×
- Bilt partner restaurants (20,000+ U.S. restaurants), up to 5X total
- 4×
- Hotels booked on Bilt Travel PortalLyft rides after linking Bilt and Lyft accounts
- 3×
- Flights booked on Bilt Travel PortalEveryday purchases while a Point Accelerator is active (activated by redeeming $200 Bilt Cash)
- 2×
- Other travel
- 1.25×
- Rent and mortgage payments, up to 1.25X based on everyday spend each billing cycle (0.5X to 1.25X tiers); no annual or monthly cap
- 2×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Bilt Travel Hotel credit: $200 semiannual
- Annual Bilt Cash: $200 annual
- Priority Pass membership, complimentary for you and two guests at over 1,300 locations worldwide (worth $469 per year)
- Bilt Gold status, earned with the welcome offer
- No foreign transaction fees
All 15 benefits
- Limited edition mirror card design (while supplies last)
- Cell phone
- Purchase protection
- Rental car
- Trip cancellation
- Trip delay
- Extended warranty
- Baggage
- Baggage
- Price protection
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bilt.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · bilt.com “No foreign transaction fees†” |
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)