Bilt✨ Luxury

Bilt Palladium Card

Annual fee

$495

Welcome bonus

50,000 Bilt PointsElevated offer

Foreign txn fee

Apply at Bilt

(Direct link to issuer does not currently earn a commission on this card.)

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 a flat 2X Bilt Points on everyday spend plus 4% Bilt Cash, and 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 get a limited-time 50,000-point bonus and Gold elite status after qualifying spend, plus $300 in Bilt Cash at opening. Points transfer 1:1 to airline and hotel partners, and 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 3mo

See the offer →

🕐 Limited-time offer

50,000 Bilt Points after spending $4,000 in the first 3 months.

Earn 50,000 Bilt Points plus Bilt Gold Elite status after $4,000 in everyday spend within 90 days of opening (housing payments excluded; 97 days for accounts opened 2026-02-07). PLUS $300 in Bilt Cash on account opening (no spend required). Gold status valid through Jan 15 of the second following year.

Earn rates

How many points per dollar across categories.

6 categories · top rate 5x

See the multipliers →

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.

24 partners

Meet the partners →

Points earned with this card transfer to 24 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. British Airways Executive 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.
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.

Status

Hotel / airline / partner status this card grants.

1 benefit

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Bilt Gold Status

Complimentary Bilt Gold elite status (after qualifying spend) with elevated rewards and benefits in the Bilt ecosystem.

Lounge access

Airport lounge access conferred by this card.

1 benefit

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Priority Pass Lounge Access

Priority Pass airport lounge access (enrollment required).

Travel credits

Annual travel-spend credits and portal incentives.

1 benefit

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$400 Bilt Travel Hotel Credit

Up to $400/year in Bilt Travel hotel credits, applied as two $200 statement credits (Jan-Jun and Jul-Dec) on Bilt Travel Portal hotel bookings of 2+ nights.

Statement credits

Bill credits and recurring perks that offset annual fees.

1 benefit

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$200 Bilt Cash Annual Credit

$200 in Bilt Cash each year (part of $600 in total annual credits).

Travel & rental insurance

Trip protection, rental car coverage, baggage, accident coverage.

5 benefits

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Trip Cancellation and Interruption Protection

Reimbursement for non-refundable trip costs when a covered reason cancels or interrupts your trip (see Guide to Benefits).

Trip Delay Reimbursement

Reimbursement for certain expenses when a covered trip is delayed (see Guide to Benefits).

MasterRental Coverage

Rental car loss and damage coverage when you pay with the card and decline the counter CDW (see Guide to Benefits).

Baggage Delay Insurance

Reimbursement for essentials when checked baggage is delayed (see Guide to Benefits).

Lost or Damaged Luggage Insurance

Coverage for lost or damaged luggage (see Guide to Benefits).

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

4 benefits

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Purchase Protection

Covers eligible purchases against damage or theft for a limited period (see Guide to Benefits).

Cellular Wireless Telephone Protection

Coverage for a damaged or stolen cell phone when you pay your wireless bill with the card (see Guide to Benefits for limits).

Extended Warranty

Extends an eligible manufacturer warranty (see Guide to Benefits).

Price Drop Protection

Refund of the difference if an eligible purchase drops in price within the coverage window (see Guide to Benefits).

Transfer partner perks

Partners this card unlocks for point transfer.

1 benefit

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Transfer to Travel Partners

Transfer Bilt Points 1:1 to airline and hotel partners.

Other

Other perks on this card.

5 benefits

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Two Rewards Options - Pick One Each Cycle

Each billing cycle you choose ONE rewards mode (they never stack): (1) Housing-only - up to 1.25X Bilt Points on rent/mortgage, scaled by how much you spend everyday relative to housing, and NO Bilt Cash; or (2) Flexible Bilt Cash - 4% Bilt Cash on everyday spend, with housing capped at 1X via Bilt Cash redemption. You can switch between cycles.

4% Bilt Cash on Everyday Spend (Flexible option)

Earn 4% back in Bilt Cash on everyday spend under the Flexible Bilt Cash Rewards Option. Important: this option is mutually exclusive with the Housing-only option - you pick ONE per billing cycle. Under Flexible Bilt Cash, housing earns up to 1X (by redeeming Bilt Cash: $3 of Bilt Cash unlocks 100 points). You do not also get the 0X-1.25X housing multiplier that cycle.

Fee-Free Rent and Mortgage Payments

Pay rent or mortgage with no transaction fee, no preset housing spending limit, and no annual housing cap, across multiple homes.

Free Rent Reporting

Opt in to free reporting of on-time rent payments to the major credit bureaus to help build credit.

10% Intro APR for 12 Months

10% introductory APR on new eligible purchases for the first 12 months, then a variable 26.74%-34.74% APR applies.