Bilt Palladium Card
50,000 Bilt Points after you spend $4,000 in 3 months. $495 a year.
- Welcome offer
- Issuer's pagebilt.com
“50,000 Bilt Points + Gold Status”
- Annual fee
- Issuer's pagebilt.com
“$495 annual fee †”
- Purchase APR
- Issuer's pagebilt.com
“After the intro period, a variable APR of 26.74% – 34.74% will apply. †”
- Foreign transaction fee
- Issuer's pagebilt.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$220 | −$220 |
| Typical spender | $715 | $215 |
| Heavy spender | $1,540 | $1,040 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: 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; housing rewards based on everyday spending during each billing cycle, up to 1.25X; 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.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
50,000 Points
After you spend $4,000 on purchases in your first 3 months.
Includes Bilt Gold status. The offer also provides $300 in Bilt Cash upon approval with no spend required.
How you earn · Bilt
- 5× pointsBilt partner restaurants; 20,000+ U.S. restaurants
- 4× pointsHotels booked on Bilt Travel Portal
- 3× pointsFlights booked on Bilt Travel Portal
- 4× pointsLyft, after linking Bilt and Lyft accounts
- 1.25× pointsRent and mortgage payments; housing rewards based on everyday spending during each billing cycle, up to 1.25X
- 2× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagebilt.com “$495 annual fee †” |
|---|---|
| Purchase APR | Issuer's pagebilt.com “After the intro period, a variable APR of 26.74% – 34.74% will apply. †” |
| Intro APR | Issuer's pagebilt.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagebilt.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Bilt Travel Hotel credit: $200 semiannual
- Complimentary Priority Pass membership with access to over 1,300 airport lounges worldwide for the cardholder and two guests.
- Priority Pass includes special offers and discounts at participating airport restaurants, retail locations, and spa experiences.
- Bilt Gold status through the welcome offer; valid for the remainder of the calendar year earned, the full following calendar year, and through January 15 of the following year.
- $400 annual Bilt Travel Hotel credit, issued as two $200 statement credits.
- $200 annual Bilt Cash deposited automatically upon account opening and each January 1 thereafter; up to $100 rolls over into the next calendar year.
- $300 Bilt Cash upon approval as part of the welcome offer.
- No transaction fee on rent and mortgage payments made through Bilt.
- No foreign transaction fees.
- Limited-edition mirror card design available while supplies last.
- Cell phone
- Purchase protection
- Rental car
- Trip cancellation
- Trip delay
- Extended warranty
- Baggage
- Baggage
- Price protection
Questions
- What is the annual fee?
- $495 bilt.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. bilt.com, since Sep 29, 2026
- What is the purchase APR?
- 26.74–34.74% APR bilt.com, since Sep 29, 2026
- Is there an intro APR?
- 10% for 12 billing cycles after account opening. bilt.com, since Sep 29, 2026
- Is there a welcome bonus?
- 50,000 Bilt Points after $4,000 in purchases in 3 months. bilt.com, since Sep 29, 2026
Other points cards with fees over $300
- The American Express GoldAmerican Express · $325 a year+$85 a year
- Business GoldAmerican Express · $325 a year−$110 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year−$240 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).