Bilt Palladium Card
- Annual fee
- $495
- Top rewards rate
- 2%on everything
- Annual credits
- $400see breakdown below
- Welcome bonus
- 50,000 points after $4,000 spend in 90 days
- Foreign transaction fee
- 0%
Earns a flat 2% on ordinary spending. The headline 4% on hotels through Bilt Travel is the card's real draw, but it applies only when you qualify, so this is worth holding if that matches how you actually spend.
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Annual Credits
This card currently offers $400 in annual credits. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $400 Bilt Travel hotel credit ($200 per half-year) requires enrollment or a specific merchant
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Sign-Up Bonus
after spending $4,000 in the first 90 days
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Hotels if you qualify | 4% | Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. |
| Flights if you qualify | 3% | Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. |
| Other travel if you qualify | 4% | Earns 4% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
| All other purchases | 2% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Bilt Palladium Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Bilt Palladium Card?
The Bilt Palladium Card has an annual fee of $495.
What is the sign-up bonus for the Bilt Palladium Card?
New cardholders can earn 50,000 points after spending $4,000 in the first 90 days.
Does the Bilt Palladium Card charge foreign transaction fees?
No, the Bilt Palladium Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Bilt Palladium Card?
The Bilt Palladium Card earns 2.0% flat rate on all purchases. It also advertises 4% on hotels through Bilt Travel and 3% on flights through Bilt Travel and 4% on Lyft, but those rates apply only when you qualify, so they are excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.