Bilt Palladium Card
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 2 points per $1 on everyday purchases, double the base rate of most co-brand cards
- Up to 1.25 points per $1 on rent and mortgage with no transaction fee
- $400 Bilt Travel hotel credit each year, split semi-annually
- $200 of Bilt Cash every year
- Priority Pass airport lounge access
- 50,000-point welcome offer with Bilt Gold Elite Status and $300 Bilt Cash
- Free credit reporting of on-time rent payments
- Annual fee: $495, plus $95 per authorized user
- Regular purchase APR: 26.74% - 34.74% Variable
- Intro purchase APR: 10% on new eligible purchases for the first 12 billing cycles
- Intro balance transfer APR: N/A
- Balance transfer fee: See issuer's pricing and terms
- Cash advance fee: See issuer's pricing and terms
- Late payment fee: See issuer's pricing and terms
- Foreign transaction fee: None
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You pay significant rent or a mortgage and want premium perks funded by a payment you already make.
- Your everyday spend is broad, where an unconditional 2 points per $1 beats category-chasing.
- You can use $400 in hotel credits and $200 in Bilt Cash, which together exceed the $495 fee before lounge visits.
- You travel enough for Priority Pass lounge access to matter.
- You should skip it if you would not use Bilt's travel portal or credits; the fee only clears when they are spent.
Bilt Palladium Card Review
The Palladium tops the Bilt Card 2.0 lineup that replaced the Wells Fargo era in 2026. It is a premium card built around a bill no premium card used to touch: housing. This review weighs the $495 fee against the credits, the lounge access, and the doubled everyday earn rate.
How You Earn
The Palladium removes the base-rate penalty on everyday spending and keeps housing earning on top.
- 2 points per $1 on everyday purchases
- Up to 5 points per $1 at Bilt partner restaurants
- Up to 4 points per $1 on Bilt Travel Portal bookings and 4 points per $1 on Lyft
- Up to 1.25 points per $1 on rent and mortgage payments
| Category | Earn rate |
|---|---|
| Everyday purchases | 2 points per $1 |
| Bilt partner restaurants | Up to 5 points per $1 |
| Bilt Travel Portal bookings | Up to 4 points per $1 |
| Lyft rides with linked account | 4 points per $1 |
| Rent and mortgage payments | Up to 1.25 points per $1 |
How You Redeem
Points transfer to travel partners or book through the Bilt Travel Portal, where the hotel credits also apply.
- Transfer to Bilt's airline and hotel partners
- Bilt Travel Portal bookings, with the $400 yearly hotel credit applied
- Bilt Cash toward purchases, including the annual $200
Benefits and Protections
The benefits mirror premium travel cards while staying anchored to the rent-first program.
- Priority Pass airport lounge access
- $400 hotel credit and $200 Bilt Cash each year
- Bilt Gold Elite Status through the welcome offer
- Free credit reporting of on-time rent payments
- No foreign transaction fees
Who This Card Is For
This card fits high-rent city dwellers and traveling homeowners who want one card for housing, daily spend and airport comfort. The credits assume engagement with Bilt's portal, so committed users capture the most value.
- Renters in high-cost cities with large monthly housing payments
- Travelers who will use Priority Pass and the hotel credits
- Bilt loyalists upgrading from Blue or Obsidian
Comparison
| Feature | Bilt Palladium Card | The Platinum Card® from Amex | Delta SkyMiles® Reserve Amex |
|---|---|---|---|
| Annual Fee | $495 | $895 | $650 |
| Welcome Offer | 50,000 pts + Gold Status + $300 Bilt Cash | As high as 175,000 points ($12,000 in 6 months) | 50,000 miles + 2 companion certificates |
| Rewards Rate | 2x everyday, up to 1.25x housing | See issuer page | See issuer page |
| Intro APR | 10% for 12 billing cycles | N/A | N/A |
| Foreign Transaction Fee | None | See issuer page | None |
| Best For | Premium perks on rent | Lounge and credit collectors | Delta loyalists |
Issuer Comparison
| Feature | Bilt Palladium Card | Bilt Obsidian Card | Bilt Blue Card |
|---|---|---|---|
| Annual Fee | $495 | $95 | $0 |
| Welcome Offer | 50,000 pts + Gold Status + $300 Bilt Cash | $200 Bilt Cash | $100 Bilt Cash |
| Rewards Rate | 2x everyday, up to 5x partner dining | 3x dining or grocery, 2x travel | 1x everyday, up to 4x partner dining |
| Key Credits | $400 hotel credit, $200 Bilt Cash, lounge access | $100 hotel credit yearly | $100 hotel credit yearly |
| Best For | Premium rent rewards | Dining and grocery renters | No-fee entry point |
Reader results for this card
1 reader result: 0 approved, 0 denied, 1 pending. An approval rate appears from 5 decided results.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Pending | 670 to 739 | Not sure | Under $25k | CA | Sep 2026 |
See all 1 result · Add your result
Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.