Bilt
Bilt Palladium Card
Transfers to airlines & hotels
Annual fee
$495/yr
Welcome bonus
50,000 points + Gold Status after $4,000 in 90 days
Min spend
$4,000 in 90 days
Recommended credit
Excellent (720+)
Rates and offer last verified June 5, 2026.
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
Priority Pass lounge access with unlimited guests
Dedicated Bilt concierge service
No foreign transaction fees
Trip cancellation/interruption insurance
Primary rental car coverage
Purchase protection and extended warranty
Statement credits
$400 annual hotel credit
$200 annual Bilt Cash
Priority Pass lounge access (unlimited guests)
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 Card lands.
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