Bilt Palladium Card
- **Flexible Bilt Cash or Housing only.** If you choose the Flexible Bilt Cash option, you earn 4% back in Bilt Cash on eligible everyday spending (not rent or mortgage) on top of your normal points. If you choose Housing only instead, you keep your normal points but give up the 4% Bilt Cash and earn up to 1.25X points on rent and mortgage. Housing only is the default unless you pick Flexible Bilt Cash when you onboard.
- **Downgrading soon after the fee posts takes the welcome bonus back.** If you move from the Palladium to a lower fee Bilt card within 30 days after the annual fee posts, Bilt reverses the Palladium welcome bonus, including the Bilt Cash and any points and Gold status you earned from it, and issues the new card's bonus in its place. Your Bilt Cash or points balance can go negative, and any annual credit you already used is charged back to your card account. After 30 days nothing is reversed, and your credits step down at your next anniversary. You get one voluntary upgrade or downgrade in any rolling 12 months.
The Bilt Palladium is the $495 flagship of Bilt Card 2.0, aimed at heavy spenders who want premium perks layered on Bilt's signature fee-free rent and mortgage payments. It earns 2X Bilt Points on everyday spend, up to 5X at Bilt partner restaurants, 4X on hotels and 3X on flights booked through Bilt Travel, and 4X on Lyft once you link your accounts, and it leans on $600 in annual credits ($400 in Bilt Travel hotel credits plus $200 Bilt Cash) plus Priority Pass lounge access and purchase protection to justify the fee. New cardholders earn $300 in Bilt Cash after approval, plus 50,000 Bilt Points and Bilt Gold status after $4,000 in purchases in the first 90 days. Rent and mortgage payments don't count toward that $4,000. The 50,000 Bilt Points are the transferable currency that moves to most airline and hotel partners at 1:1, with Accor at 3:2 and I Prefer Hotel Rewards at 1:2, while Bilt Cash is a separate credit you spend with Bilt partners like Lyft, Grubhub, Bilt Travel, and Walgreens, and it expires December 31 each year with up to $100 rolling into the next year. There are no foreign transaction fees. Best for big spenders who will use the travel credits and lounge access.
Welcome bonus
What you get for signing up and hitting the minimum spend.
50,000 Bilt Points · $4,000 spend in 90d
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Welcome bonus
What you get for signing up and hitting the minimum spend.
50,000 Bilt Points · $4,000 spend in 90d
Plus $300 in Bilt Cash on approval, and Bilt Gold status once you complete the spend.
50,000 Bilt Points after spending $4,000 in the first 90 days.
$300 in Bilt Cash on approval, and Bilt Gold status once you complete the spend
Earn 50,000 Bilt Points plus Bilt Gold Elite status after $4,000 in everyday spend within 90 days of opening (rent/mortgage excluded). PLUS $300 in Bilt Cash on account opening (no spend required). Bilt Cash is a partner-merchant credit (Lyft, Grubhub, Bilt Travel, Walgreens), not transferable points; expires Dec 31 each year with up to $100 rollover. Only the 50,000 Bilt Points are transferable currency.
Earn rates
How many points per dollar across categories.
6 categories · top rate 5x
See the multipliers →
Earn rates
How many points per dollar across categories.
6 categories · top rate 5x
Card-level multipliers. Earn currency: Bilt Rewards.
| Category | Rate | Channel | Notes |
|---|---|---|---|
| Dining | 5x | — | Up to 5X at 20,000+ Bilt partner restaurants (Bilt Dining). |
| Hotels | 4x | portal | 4X on hotels booked through the Bilt Travel Portal. |
| Lyft | 4x | — | 4X on Lyft rides after linking your Bilt and Lyft accounts. |
| Flights | 3x | portal | 3X on flights booked through the Bilt Travel Portal. |
| All other purchases | 2x | — | 2X on other everyday purchases. |
| Housing | 1.25x | — | Rent and mortgage earn a VARIABLE 0X-1.25X, not a flat rate, based on your Everyday Spend Ratio (everyday spend vs. your housing payment that billing cycle): under 25% = a 250-point flat floor; 25%+ = 0.5X; 50%+ = 0.75X; 75%+ = 1X; 100%+ = 1.25X. No annual cap. This applies under the Housing-only Rewards Option (which forgoes the 4% Bilt Cash on everyday spend). |
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
27 partners
Meet the partners →
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
27 partners
Points earned with this card transfer to 27 partner programs via Bilt Rewards.
| To | Ratio | Notes |
|---|---|---|
| Atmos Rewards | 1:1 | No transfer fee. Atmos Rewards (Alaska + Hawaiian combined program); strong oneworld and partner sweet spots. |
| Aer Lingus AerClub | 1:1 | No transfer fee. AerClub Avios. |
| Air Canada Aeroplan | 1:1 | No transfer fee. Free stopover; strong Star Alliance business-class value. |
| Flying Blue | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
| Avianca LifeMiles | 1:1 | No transfer fee. LifeMiles; no fuel surcharges on Star Alliance. |
| Avios | 1:1 | No transfer fee. The British Airways Club; Avios usable across the BA/Iberia/Aer Lingus family. |
| Cathay Pacific Asia Miles | 1:1 | No transfer fee. Asia Miles; first and business class to Asia. |
| Emirates Skywards | 1:1 | No transfer fee. Skywards. |
| Etihad Guest | 1:1 | No transfer fee. Etihad Guest. |
| Club Iberia Plus | 1:1 | No transfer fee. Iberia Plus Avios. |
| Japan Airlines Mileage Bank | 1:1 | No transfer fee. JAL Mileage Bank; oneworld premium to Asia. |
| Qatar Privilege Club | 1:1 | No transfer fee. Privilege Club; books Qsuites business. |
| Southwest Rapid Rewards | 1:1 | No transfer fee. Rapid Rewards; no change fees, no award chart. |
| TAP Miles&Go | 1:1 | No transfer fee. TAP Miles&Go. |
| Turkish Miles&Smiles | 1:1 | No transfer fee. Miles&Smiles; very low Star Alliance pricing. |
| United MileagePlus | 1:1 | No transfer fee. MileagePlus. |
| Virgin Atlantic Flying Club | 1:1 | No transfer fee. Flying Club; ANA and Delta One sweet spots. |
| Virgin Red | 1:1 | No transfer fee. Virgin Group rewards club; moves 1:1 on to Virgin Atlantic Flying Club. |
| ALL - Accor Live Limitless | 3:2 | No transfer fee. ALL - Accor Live Limitless; the lone non-1:1 partner (1,000 Bilt is about 667 Accor points). |
| Hilton Honors | 1:1 | No transfer fee. Hilton Honors. |
| Hyatt | 1:1 | No transfer fee. The crown-jewel redemption; outsized value at top properties. Bilt has announced the ratio changes to 4:3 on January 1, 2027; it stays 1:1 through December 31, 2026. |
| IHG One Rewards | 1:1 | No transfer fee. IHG One Rewards. |
| Marriott Bonvoy | 1:1 | No transfer fee. Marriott Bonvoy. |
| Wyndham Rewards | 1:1 | No transfer fee. Wyndham Rewards; added 2026. |
| Preferred Hotels iPrefer | 1:2 | Preferred Hotels iPrefer. 1,000 Bilt Points = 2,000 iPrefer points (1:2). Added June 22, 2026 - 700+ independent properties in 85 countries. iPrefer points redeem at a fixed value toward stays, so this is best for topping off a planned Preferred Hotels booking. Transfers in 1,000-point increments (2,000 minimum for Blue tier). No transfer tax. |
| Amtrak Guest Rewards | 2:1 | Amtrak Guest Rewards, Bilt's first rail partner, added September 23, 2026. Transfers in 1,000 point increments (2,000 minimum for Blue tier). Link your Amtrak Guest Rewards account before your first transfer. |
| JetBlue TrueBlue | 1:1 | Added October 20, 2026. Transfers are in 1,000-point increments, with a 2,000-point minimum for Blue members and 1,000 for Silver, Gold and Platinum. Link your TrueBlue account to Bilt first. |
Status
Hotel / airline / partner status this card grants.
1 benefit
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Status
Hotel / airline / partner status this card grants.
1 benefit
Lounge access
Airport lounge access conferred by this card.
1 benefit
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Lounge access
Airport lounge access conferred by this card.
1 benefit
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
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Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
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Statement credits
Bill credits and recurring perks that offset annual fees.
1 benefit
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
5 benefits
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Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
5 benefits
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
4 benefits
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Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
4 benefits
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
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Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
Other
Other perks on this card.
5 benefits
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Other
Other perks on this card.
5 benefits