Our illustration in the card’s colours, not its design
Bilt credit card
Bilt Palladium Obsidian Card
$95 a year. 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
“Authorized users on a Palladium account also receive Priority Pass access as part of their benefits — making the $95 authorized user fee† particularly strong value for a traveling partner or family member.”
- 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
Also earns Bilt Gold status, valid for the remainder of the calendar year earned, the full following calendar year, and through January 15th of the year after that. Separately, $300 of Bilt Cash is deposited upon approval with no spend required. Subject to approval and eligibility; welcome offers subject to change.
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 (housing payments). 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. Under 25%, earns 250 points. No annual or monthly cap.; not counted: 3x Everyday purchases while a Point Accelerator is active (redeem $200 Bilt Cash to activate; brings everyday earning to 3X for the next $5,000 in qualifying purchases; up to five activations per year, up to $25,000 annual spend); 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 (housing payments). 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. Under 25%, earns 250 points. No annual or monthly cap.; not counted: 3x Everyday purchases while a Point Accelerator is active (redeem $200 Bilt Cash to activate; brings everyday earning to 3X for the next $5,000 in qualifying purchases; up to five activations per year, up to $25,000 annual spend); 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 (housing payments). 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. Under 25%, earns 250 points. No annual or monthly cap.; not counted: 3x Everyday purchases while a Point Accelerator is active (redeem $200 Bilt Cash to activate; brings everyday earning to 3X for the next $5,000 in qualifying purchases; up to five activations per year, up to $25,000 annual spend); 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 (housing payments). 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. Under 25%, earns 250 points. No annual or monthly cap.; not counted: 3x Everyday purchases while a Point Accelerator is active (redeem $200 Bilt Cash to activate; brings everyday earning to 3X for the next $5,000 in qualifying purchases; up to five activations per year, up to $25,000 annual spend); 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.
- Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$330 a year
- Chase Sapphire PreferredChase · $95 a year+$270 a year
- Citi Strata Premier - TravelCiti · $95 a year+$255 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)
- 4×
- Hotels booked on Bilt Travel PortalLyft, after linking Bilt and Lyft accounts
- 3×
- Flights booked on Bilt Travel PortalEveryday purchases while a Point Accelerator is active (redeem $200 Bilt Cash to activate; brings everyday earning to 3X for the next $5,000 in qualifying purchases; up to five activations per year, up to $25,000 annual spend)
- 2×
- Other travel
- 1.25×
- Rent and mortgage (housing payments). 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. Under 25%, earns 250 points. 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
- Bilt Cash (annual): $200 annual
- Bilt Cash (welcome deposit): $300 one time
- Priority Pass membership, complimentary for you and two guests, access at over 1,300 airport lounges worldwide; authorized users also receive Priority Pass access
- Bilt Gold status (earned with the welcome offer)
All 16 benefits
- No foreign transaction fees
- Stack rewards with Neighborhood Benefits
- 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 “Authorized users on a Palladium account also receive Priority Pass access as part of their benefits — making the $95 authorized user fee† particularly strong value for a traveling partner or family member.” |
|---|---|
| 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)