Bilt Palladium Card by Bilt: 5x dining & restaurants, 4x hotels via portal, 4x transit & commuting, 3x flights / airfare via portal, 1.25x rent, 2x…
The Bilt Palladium Card is Bilt's premium credit card. The $495/yr annual fee includes a 50,000-point welcome bonus after spending $4,000 in the first 3 months. Beyond the welcome bonus, here's what the card actually delivers.
| Credit | Value | What it covers |
|---|---|---|
| Bilt Cash | $200/yr | $200 in Bilt Cash awarded annually; up to $100 rolls over into the next calendar year |
| Bilt Travel hotel credit | $400/semiannual | $200 in statement credits twice per year ($400/yr) for qualifying hotel bookings through the Bilt Travel Portal |
Welcome bonus value (year one): ~$500. Annual statement credits: $600. Minus the $495 annual fee = ~$605 in year-one net value before any spending earn. RewardsGuru rating: 4.8/5 — based on our net-value methodology.
Best fit: frequent travelers who can use the lounge access, statement credits, and elevated earn rates on travel and dining. Skip if: you'd let the annual statement credits expire unused or you only travel 1-2x per year.
50,000 points after spending $4,000 in the first 3 months. At our ~1¢/pt valuation, that's roughly $500 in real value.
Year-one math: welcome bonus value (~$500) + annual credits ($600) − $495 fee = ~$605 net before spending earn. Year-two onward, the credits alone need to clear $495 — they do. Worth it if you'll use the credits, skip if you'd let them expire.
2 recurring statement credits: Bilt Cash ($200/yr), Bilt Travel hotel credit ($400). Total: $600/yr.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Bilt's product page has the current rate.