Bilt Palladium Card
The ultimate Bilt card with 2X on everyday spend and premium perks
Sign-up Bonus
- 50,000 Bilt Points + Gold Status *
- $300 of Bilt Cash is awarded at account opening
* After meeting the required spend for the welcome offer.
At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Earn rates
Apply for the Bilt Palladium Card
Takes just a few minutes. Seeing if you're approved won't impact your credit score.
Bonus rewards
Additional ways to earn and redeem on top of your everyday points.
Up to 1.25x
Earn up to 1.25X points on rent and mortgage payments with no transaction fee
Why we like this card
The Bilt Palladium Card is the flagship card in the Bilt ecosystem, offering an impressive 2X Bilt Points on purchases. The Bilt Palladium Card is the flagship card in the Bilt ecosystem. It stands out by offering 2X Bilt Points on everyday purchases — with no category restrictions or rotating bonuses to track.
The perks package is equally impressive. A $200 semi-annual Bilt Travel Hotel statement credit ($400/year) and $200 annual Bilt Cash credit return significant value, while Priority Pass lounge access (a $469/year value on its own) makes every airport visit more comfortable. The 50,000-point welcome bonus with Gold Status — after meeting the required spend for the welcome offer — provides a major jump-start right out of the gate.
If you want maximum simplicity with premium benefits and don't mind the $495 annual fee, the Palladium Card delivers exceptional value — especially for frequent travelers who can take full advantage of the hotel credits and lounge access.
Featured benefits
Additional perks included with your card. View full Guide to Benefits.
$400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
$200 Bilt Cash (awarded annually)
Priority Pass lounge access ($469/yr value)
Trip Delay Reimbursement
Trip Cancellation and Interruption Protection
Baggage Delay Insurance
Price Drop Protection
Extended Warranty
50,000 Bilt Points + Gold Status welcome bonus after meeting the required spend
10%
Intro APR on new eligible purchases for 12 billing cycles after account opening across all 3 cards.
After the intro period, a variable APR of 26.74% – 34.74% will apply.
Rates & FeesAdvertiser disclosure: This site is part of an affiliate sales network and may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.