Bilt
Bilt Palladium
Transfers to airlines & hotels
Annual fee
$495/yr
Welcome bonus
50,000 points + Gold Status + $300 Bilt Cash
Min spend
$4,000 in 90 days
Recommended credit
Excellent (720+)
Offer last verified June 18, 2026. How we verify.
Earning rates
2x points on all everyday purchases
Earn Bilt Points on rent and mortgage, no transaction fee
Transfer points to 15+ airline and hotel partners at premium rates
Features & benefits
$400 annual hotel credit + $200 annual Bilt Cash
Dedicated Bilt concierge service
No foreign transaction fees
Trip cancellation/interruption insurance
Primary rental car coverage
Purchase protection and extended warranty
Lounge access
Priority Pass: 1,400+ airport lounges worldwide, lounges only (no restaurants); up to 2 guests free, then $35 each
Statement credits
$400 annual hotel credit
$200 annual Bilt Cash
Transfer partners
Your Bilt Points transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:
Airline partners
United Airlines, Alaska Airlines, American Airlines, Air Canada Aeroplan, Emirates Skywards, Cathay Pacific Asia Miles
See exactly what a flight award costs
Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.
Search award flights on seats.aero →Hotel partners
See what a hotel award costs
Look up the live points price and availability for a specific hotel stay before you book.
Search award stays on rooms.aero →See the full Bilt ecosystem, card lineup, and live transfer bonuses →
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Bilt Palladium lands.
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