Our illustration in the card’s colours, not its design
Bilt credit card
Palladium Card
$495 a year. 50,000 Bilt Points after you spend $4,000 in 3 months.
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
“$495 annual fee †”
- 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.
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
50,000 Bilt Points and Bilt Gold status are earned after the spend requirement. Also $300 of Bilt Cash is deposited upon approval with no spend required. Subject to approval and eligibility; available to new Bilt Card 2.0 cardholders; 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 payments made through Bilt, up to 1.25X on the full payment, with the multiplier based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more (below 25%, 250 points); not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 of Bilt Cash): 3X for the next $5,000 in qualifying purchases, up to five activations per year; 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 made through Bilt, up to 1.25X on the full payment, with the multiplier based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more (below 25%, 250 points); not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 of Bilt Cash): 3X for the next $5,000 in qualifying purchases, up to five activations per year; 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 made through Bilt, up to 1.25X on the full payment, with the multiplier based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more (below 25%, 250 points); not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 of Bilt Cash): 3X for the next $5,000 in qualifying purchases, up to five activations per year; 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 made through Bilt, up to 1.25X on the full payment, with the multiplier based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more (below 25%, 250 points); not counted: 3x Everyday purchases while a Point Accelerator is active (activated by redeeming $200 of Bilt Cash): 3X for the next $5,000 in qualifying purchases, up to five activations per year; 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.
Other points cards with fees over $300
- American Express The American Express® Gold CardAmerican Express · $325 a year−$165 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year−$240 a year
- Hilton Honors American Express AspireAmerican Express · $550 a year−$245 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 including the 2X base
- 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 (activated by redeeming $200 of Bilt Cash): 3X for the next $5,000 in qualifying purchases, up to five activations per year
- 2×
- Other travel
- 1.25×
- Rent and mortgage payments made through Bilt, up to 1.25X on the full payment, with the multiplier based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100% or more (below 25%, 250 points)
- 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 with access to 1,300+ airport lounges worldwide, complimentary for you and two guests (worth $469 per year)
- Bilt Gold status, earned with the welcome offer spend and valid for the remainder of the calendar year earned, the full following calendar year, and through January 15 of the year after
- No foreign transaction fees
All 17 benefits
- Priority Pass special offers and discounts at participating airport restaurants, retail locations, and spa experiences
- Authorized users on the Palladium account also receive Priority Pass access (authorized user fee of $95)
- Limited edition mirror card design with a microfiber cloth, 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 “$495 annual fee †” |
|---|---|
| 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)