The Bilt Palladium Card is the premium credit card in the Bilt Card 2.0 lineup, offering a straightforward 2X Bilt Points on eligible everyday purchases, including dining, without the need to manage bonus categories. It also includes Priority Pass airport lounge access, while its annual benefits will be consolidated into $600 in Bilt Cash under the refreshed 2027 program.
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 under eligible legacy benefits; US$600 under refreshed 2027 benefits |
| Bilt Travel Hotel Credit | US$400 annually under eligible legacy benefits; replaced by Bilt Cash under refreshed benefits |
| 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 spending under qualifying legacy benefits |
| 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$600 Annual Bilt Cash + Priority Pass (2027 Refreshed Benefits)
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.
💵 2027 Update: US$600 Annual Bilt Cash
Bilt announced a major change to the Palladium Card’s annual benefits on October 27, 2026.
Under the original Bilt Card 2.0 program, cardholders receive:
- US$200 Annual Bilt Cash
- US$400 Bilt Travel Hotel Credit
Under the refreshed 2027 benefits, these two benefits will be combined into:
US$600 Annual Bilt Cash
The new annual credit replaces the separate hotel credit and provides more flexibility across eligible Bilt Cash redemption options.
However, Bilt Cash is not equivalent to unrestricted cash back. Its actual value depends on how cardholders use it within the Bilt ecosystem.
For new accounts opened on or after January 1, 2027, the refreshed benefits apply immediately.
Existing cardholders generally transition on their first card account anniversary in 2027 unless they opt out.
🏨 Hotel Redemptions Under the New Benefits
Starting January 1, 2027, Palladium cardholders enrolled in the refreshed benefits can redeem up to:
US$200 Bilt Cash per eligible hotel booking, twice per calendar year.
This allows up to US$400 in annual hotel redemptions through the Bilt Travel Portal.
Eligible bookings require a minimum two-night stay and must satisfy Bilt Travel’s applicable redemption rules.
The remaining Bilt Cash can be used for other eligible Bilt Cash redemption options.
For existing cardholders who choose to retain the legacy benefits, the original US$400 annual hotel credit remains available under its existing terms.
✈️ Priority Pass Airport Lounge Access
The Bilt Palladium Card continues to include Priority Pass airport lounge access.
This remains one of the card’s key premium travel benefits compared with the Blue and Obsidian cards.
The 2027 Bilt Cash changes do not eliminate the card’s existing Priority Pass benefit.
🏠 Housing Rewards: What Changes in 2027?
Under the refreshed 2027 benefits, eligible rent and mortgage payments can earn up to 1.25X Bilt Points, depending on the cardholder’s non-housing spending during each billing cycle.
The original Flexible Bilt Cash option allows eligible everyday spending to earn:
2X Bilt Points + 4% Bilt Cash
However, Flexible Bilt Cash will no longer be offered to accounts opened on or after January 1, 2027.
Existing cardholders can retain this option by opting out of the refreshed benefits before their first card account anniversary in 2027.
Cardholders who opt out can continue receiving their original US$200 annual Bilt Cash and US$400 hotel credit, subject to the legacy terms.
They will no longer be able to switch freely between Flexible Bilt Cash and Housing-only Rewards, although they may subsequently choose to move to the refreshed benefits.
⏳ Bilt Cash Expiration
Effective October 27, 2026, Bilt Cash expires at the end of the month, 12 months after it is earned.
The previous year-end expiration and rollover limits no longer apply.
Annual Bilt Cash credits are issued on the card account anniversary.
Under the refreshed benefits, the US$600 annual Bilt Cash credit is subject to these expiration rules.
For more details about Bilt Cash, Housing Rewards, and airline or 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.
