Bilt

Bilt Palladium Card

Make every purchase the most rewarding one

Earn points on rent and mortgage +
unlimited 2X points on everyday purchases.

Apply now
Offer TermsRates & Fees

Turn all your spend into the most valuable rewards

Welcome bonus1

50,000points andGold Status

After you spend $4,000 on purchases (excluding rent or mortgage) in your first 90 days.

Plus$300of Bilt Cash

Spend Bilt Cash where you want: hotels, Lyft rides, Walgreens purchases, and more.

Housing payments1

Rent and mortgage

up to1.25X

Pay with no transaction fee, always

Your featured point earnings1

  • Bilt partner restaurants

    up to5X

    20,000+ U.S. restaurants

  • Hotels & Flights

    up to4X

    Booked on Bilt Travel Portal

  • Lyft

    4X

    After linking Bilt and Lyft accounts

  • Other everyday purchases

    2X
Apply now
$495 annual fee†1Offer Terms†Rates & Fees

Get over $1,000 of
annual value

  • Woman in a white gown descending a tiled hotel staircase

    $400 Bilt Travel Hotel credit1

    Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.

  • Guests walking beside a resort pool at a modern villa

    $200 of Bilt Cash1

    Awarded annually. Up to $100 of your Bilt Cash balance rolls over into the next calendar year.

  • Traveler holding a Bilt card and rolling suitcase in an airport

    Priority Pass membership (Worth $469 per year)2

    Complimentary for you and two guests at over 1,300 locations worldwide.

  • Couple relaxing together on a sofa at home

    Earn rewards as a household

    Manage household spending all one account. Add anyone age 13+, set spending limits, and earn rewards.

  • Friends sharing plates and wine at a restaurant table

    Earn additional points at 50,000+ Bilt partners

    From restaurants and fitness studios to Walgreens and more.

Additional cardholder benefits

  • Cellular Wireless Telephone Protection2
  • Purchase Assurance2
  • MasterRental Coverage2
  • Trip Cancellation and Interruption Protection2
  • Trip Delay Reimbursement2
  • Extended Warranty2
  • No foreign transaction fees†
  • Baggage Delay Insurance2
  • Lost or Damaged Luggage Insurance2
  • Price Drop Protection2

What the experts are saying about the Palladium Card

  • I am absolutely applying for the Bilt Palladium Card
    The Points GuyThe Points Guy

  • 4.8 out of 5 stars

    NerdWalletNerdWallet
  • That flat-rate structure makes this a compelling option for those who want an all-in-one card that earns solid returns across their spending
    Forbes AdvisorForbes Advisor
  • If you're looking for the flat-out best return on your credit card spending, the Bilt Palladium Card is the clear winner
    NerdWalletNerdWallet

Explore our other cards

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    Pay rent, eat food, travel, repeat.

    View card$95 annual fee†

  • Bilt Blue Card

    No annual fee card†

    View card$0 annual fee†