The Bilt Palladium is the only card in the Bilt lineup that earns a meaningful flat rate, 2x points on everyday spend, on top of fee-free rent and mortgage payments that earn up to 1.25x. That combination, plus 4x on hotels and 3x on flights booked through Bilt Travel and Priority Pass lounge access, earns it a spot at #13 on our Best Travel Credit Cards list. The $495 annual fee is steep, and covering it depends on using the $400 in Bilt Travel hotel credits, split into two $200 statement credits, and the $200 annual Bilt Cash award. If you don't book hotels through Bilt's portal, much of that value evaporates. The welcome offer is 50,000 points plus $300 Bilt Cash after $4,000 in spend over three months, and hitting that spend excluding rent also unlocks Gold Status. The rent multiplier floats each billing cycle based on your other spending, and the intro rate is a fixed 10% on purchases for 12 billing cycles rather than a 0% window, so judge this card on its ongoing earning and credits.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels (via Portal) Hotels booked through Bilt Travel | 4x |
Transit On Lyft rides (after linking your Lyft account) | 4x |
Flights (via Portal) Flights booked through Bilt Travel | 3x |
Everything Else Everyday spend earns the base 2x in points. The 4% Bilt Cash option on everyday spend is an alternative to the up to 1.25x rent points, not an addition, and is a separate currency rather than cash back; its main use is buying point accelerators that temporarily lift $5,000 of spend to 3x points (up to 5 per year). | 2x |
Rent Up to 1.25x on rent and mortgage payments with no transaction fee, when the housing-only rewards track is selected. The exact multiplier is set each billing cycle from your everyday spend relative to the housing payment; on the Bilt Cash track housing earns up to 1x instead. | 1.25x |
| Benefit | Value |
|---|---|
Bilt Travel Hotel Credit Annual hotel credit applied twice yearly as $200 statement credits for qualifying Bilt Travel Portal hotel bookings | $400 /yr |
Annual Bilt Cash Award Annual Bilt Cash awarded with up to $100 rolling over into the next calendar year | $200 /yr |
| Total annual credits | $600 |
Card details
Regular APR | 26.74%–34.74% variable |
Intro APR on purchases | 10% for 12 months |
Foreign transaction fee | None |