Bilt Palladium Card is the premium credit card in the Bilt Card 2.0 lineup, with a US$495 annual fee. Its biggest advantage is a simple 2X Bilt Points on eligible everyday purchases, including regular dining, without having to manage bonus categories.
For travel, the card earns 3X on flights and 4X on hotels booked through Bilt Travel, plus 4X on Lyft. It also includes an annual US$400 Bilt Travel Hotel Credit, US$200 Bilt Cash, and Priority Pass airport lounge access.
For users with significant everyday spending and eligible Housing Payments who can also take advantage of the Hotel Credit and lounge access, the Bilt Palladium Card offers the most complete benefits in the Bilt Card 2.0 lineup.
Bilt Palladium Card Benefits
| Benefit | Bilt Palladium Card |
|---|---|
| Annual Fee | US$495 |
| Authorized User | US$95 |
| Rewards | Bilt Points |
| Everyday Spend | 2X Bilt Points |
| Dining | 2X Bilt Points |
| Bilt Travel – Flights | 3X Bilt Points |
| Bilt Travel – Hotels | 4X Bilt Points |
| Lyft | 4X Bilt Points |
| Neighborhood Dining | Earn additional Bilt Points at participating restaurants |
| Annual Bilt Cash | US$200 Bilt Cash per year |
| Bilt Travel Hotel Credit | US$400 per year |
| Airport Lounge | Priority Pass |
| Housing-only Rewards | Up to 1.25X on eligible Housing Payments |
| Flexible Bilt Cash | 2X Points + 4% Bilt Cash on eligible Everyday Spend |
| Housing Payment Transaction Fee | US$0 on eligible Bilt Housing Payments |
| Foreign Transaction Fee | 0% |
| Transfer Partners | Bilt Airline / Hotel Transfer Partners |
| Core Role | Premium Bilt Rewards + 2X Everyday Spend |
The biggest earning advantage of the Bilt Palladium Card is its straightforward 2X Bilt Points on eligible everyday purchases. Regular dining also earns 2X.
Neighborhood Dining is a separate Bilt program that can provide additional Bilt Points at participating restaurants.
Is the Bilt Palladium Card Worth It?
The core value of the Bilt Palladium Card can be summarized as:
2X Everyday Spend + US$200 Bilt Cash + US$400 Hotel Credit + Priority Pass
Compared with the Bilt Blue Card’s 1X everyday earning rate and the Bilt Obsidian Card’s 3X Dining / Grocery choice, Palladium provides a simple 2X earning rate across eligible everyday purchases.
For high-spending users who prefer not to manage bonus categories and can take advantage of Bilt Travel benefits, Palladium can work well as a primary spending card.
US$200 Annual Bilt Cash
Bilt Palladium Card provides:
US$200 Bilt Cash per year
Bilt Cash can be used for eligible benefits within the Bilt ecosystem, including Housing Rewards, Bilt Travel, and other qualifying redemptions.
When Flexible Bilt Cash is selected, eligible Everyday Spend can earn:
2X Bilt Points + 4% Bilt Cash
For a complete explanation of how Bilt Cash works, see the Bilt Rewards Complete Guide.
US$400 Bilt Travel Hotel Credit
Bilt Palladium Card provides up to:
US$400 Bilt Travel Hotel Credit per year
The credit is divided into two six-month periods:
January–June: US$200
July–December: US$200
The credit applies to eligible hotel reservations of at least two nights booked through Bilt Travel. Unused credits do not roll over to the next six-month period.
If you can fully use the US$400 Hotel Credit each year, it can offset most of the card’s US$495 annual fee.
Priority Pass
Bilt Palladium Card includes a Priority Pass Membership, providing access to the Priority Pass airport lounge network.
For frequent travelers, this is one of the Palladium Card’s main premium travel benefits compared with the Blue and Obsidian cards.
Housing Rewards
Bilt Palladium Card also offers two Housing Rewards options:
Housing-only Rewards → Up to 1.25X on eligible Housing Payments
or:
Flexible Bilt Cash → 2X Everyday Spend + 4% Bilt Cash
Under Flexible Bilt Cash, Bilt Cash can be used to enable eligible Housing Payments to earn up to 1X Bilt Points.
For a complete explanation of Housing-only Rewards, Flexible Bilt Cash, Rent Day, and airline and hotel transfer partners, see the Bilt Rewards Complete Guide.
Historical Welcome Offers
| Date | Public Welcome Offer | Minimum Spend |
|---|---|---|
| 2026 – Present | 50,000 Bilt Points + Bilt Gold Status + $300 Bilt Cash | $4,000 in Non-Housing Purchases within 90 Days |
Public offers only. Targeted, referral, mail, and other personalized offers are excluded.
The current public Welcome Offer includes US$300 Bilt Cash upon approval. Cardholders can also earn 50,000 Bilt Points + Bilt Gold Status after making US$4,000 in Non-Housing Purchases within the first 90 days.
Bilt Card 2.0 Comparison
Bilt Card 2.0 currently includes three credit cards:
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Bilt Blue Card | US$0 | Entry-level Housing Rewards | 0% |
| Bilt Obsidian Card | US$95 | Dining / Grocery + Travel | 0% |
| Bilt Palladium Card | US$495 | Premium Bilt Rewards + 2X Everyday Spend | 0% |
Bilt Blue Card provides no-annual-fee access to Housing Rewards, Bilt Obsidian Card focuses on Dining / Grocery and Travel Rewards, while Bilt Palladium Card is designed for users who value 2X everyday spending, Hotel Credits, and airport lounge access.
Bilt Card Application Rules & Restrictions
Bilt Card 2.0 cards are issued by Column N.A., Member FDIC, with Cardless providing card servicing.
Key application considerations include:
- Bilt does not publish a fixed minimum Credit Score.
- Approval may consider Credit History, Income, Existing Debt, and other credit information.
- Applicants can check whether they are approved without affecting their Credit Score.
- Manual Review does not necessarily mean the application has been declined.
- If declined, applicants may reapply after 45 days under Bilt’s current rules.
- Bilt Card 2.0 no longer has the old 5 Transactions Requirement.
Bilt does not publish a simple application restriction comparable to Chase 5/24. Eligibility and approval remain subject to Bilt’s current terms and underwriting criteria.
Can Foreign Applicants Apply for the Bilt Palladium Card?
The Bilt Palladium Card is a U.S. credit card, and applicants must meet the issuer’s identity and credit underwriting requirements.
Approval may consider factors including U.S. Credit History, Income, and Existing Debt, and Bilt does not publish a minimum Credit Score that guarantees approval.
Foreign applicants who have not yet established U.S. credit history can consider starting with American Express Global Transfer, using an eligible existing American Express relationship outside the U.S. to apply for a U.S. Amex card and begin building U.S. credit history.
A practical path is:
American Express Global Transfer → U.S. Amex → Build 6–12 Months of U.S. Credit History → Bilt Palladium Card
For foreign applicants, the Bilt Palladium Card is generally better considered after establishing some U.S. credit history rather than as a first U.S. credit card.
