Column N.A. credit cards
This card is for renters and homeowners who want their biggest monthly bill to earn rewards. Housing payments earn up to 1.25 points per $1 with no transaction fee, and on-time rent payments are reported to credit bureaus free. Dining at Bilt partner restaurants earns up to 4x, and Bilt Travel Portal hotels and flights up to 3x. The caveat: outside partners and housing, everyday spend earns 1 point per $1.
The Palladium is for renters and homeowners who want premium-card treatment on top of housing rewards. Everyday purchases earn 2 points per $1, partner restaurants up to 5 points per $1, and rent and mortgage up to 1.25 points per $1 with no transaction fee. Yearly credits ($400 hotel, $200 Bilt Cash) plus Priority Pass lounge access answer the $495 fee. The caveat: the credits require using Bilt's travel ecosystem to cash out fully.