Bilt
Bilt Palladium Card
Annual Fee
$495
Bonus Value
$1,100
Min Spend
$4K/3mo
Current Welcome Offer
50,000
Bilt Rewards Points — worth ~$1,100
Spend $4,000 in 3 months
Elevated offerVerify offer with issuer
No automated verification
Personalize
Will you be approved for this card?
Take the 1-minute Approval Predictor and we'll show your odds on every card.
Directed to Bilt's secure application · We may earn a commission
Key facts
| Annual fee | $495 |
|---|---|
| Welcome bonus | 50,000 Bilt Rewards Points after $4,000 spend in 3 months |
| Bonus value estimate | ~$1,100 |
| Points program | Bilt Rewards |
| Card network | Mastercard |
| Foreign transaction fee | None |
What you get
All 5 perks ↓Perks/yr up to
$940
Annual Fee
$495
Covers fee (realistic use)
0.9×
2 of 5 need activation — credits often split into small chunks, easy to miss.
Editorial Verdict
Bilt Palladium: pros & cons
Pros
- $400/yr Bilt Travel hotel credit ($200 per half) covers most of the fee on its own
- Bilt points transfer 1:1 to 10+ partners including World of Hyatt
- Priority Pass Select, $120/yr Lyft credit, and Global Entry/TSA PreCheck credit
- No foreign transaction fees and full travel insurance coverage
Cons
- $495 annual fee — steep if you don't use the hotel credit
- Hotel credit only works on bookings through Bilt Travel
- Lyft credit expires monthly if unused
Historical Intelligence
Offer history & timing
Current
50,000
Average
50,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$187/yr after bonus)
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Verified from issuer · May 15
Value
First-year value estimate
Conservative
+$1,159
65% benefit utilization, minimal travel redemptions
Realistic
+$1,287
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$1,511
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$187/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $940/yr in benefits
✈️travel credit
Lyft Credit
$120/yr
$10/mo
$10/month in Lyft credit ($120/yr) when linked to your Bilt card.
⚠ Enrollment required
Lyft rides (linked account)
Global Entry / TSA PreCheck Credit
$120/yr
Up to $120 for Global Entry or $85 for TSA PreCheck. Resets every 4 years.
🏨hotel credit
Bilt Travel Hotel Credit
$400/yr
$200 × 2
$200 H1 + $200 H2 ($400/yr) on hotels booked through Bilt Travel.
Hotels booked through Bilt Travel
🏛️lounge
Priority Pass Select
$300/yr
Priority Pass Select lounge membership. Requires enrollment.
⚠ Enrollment required
1,500+ lounges via Priority Pass
⭐status
Bilt Gold Hotel Status
Complimentary Bilt Gold elite status with participating hotel partners.
Bilt hotel partners
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent travelers who want to maximize points on flights and hotels
Not Best For
- Occasional credit card users who won't recoup the $495 annual fee through benefits
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
50,000 Bilt Rewards Points
Last verified
May 15, 2026
Annual fee
$495/year
Compare & Alternatives
Compare with
Popular side-by-side comparisons.
Amex
Amex Platinum
Compare →
Chase
Sapphire Reserve
Compare →
Amex
Amex Gold
Compare →
Chase
Sapphire Preferred
Compare →
All Bilt Palladium comparisons
Alternatives
Consider these cards instead
Chase
Sapphire Preferred
Flexible points travelers who want transfer partner access without a premium annual fee
$95/yr
75,000 pts
View review
Chase
Sapphire Reserve
High-volume travelers who maximize the $300 travel credit and lounge access
$795/yr
100,000 pts
View review
Chase
Freedom Unlimited
Chase cardholders who want to maximize non-bonus spend without an annual fee
No fee
$200
View review
FAQ
Frequently asked questions
What's the current Bilt Palladium welcome bonus?
50,000 Bilt Rewards Points after spending $4,000 in the first 3 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Bilt Palladium worth the $495 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$1,100 estimated cash value) plus up to ~$940/yr in tracked benefits and credits typically covers the $495 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
What are the main benefits of the Bilt Palladium?
The highest-value benefits we track on the Bilt Palladium: Bilt Travel Hotel Credit (~$400), Priority Pass Select (~$300), Lyft Credit (~$120), Global Entry / TSA PreCheck Credit (~$120). Combined tracked benefit value is up to ~$940 per year against the $495 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
What credit score do I need for Bilt Palladium?
Realistic target: 740+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 740+ is the floor for reliable approval on cards in Bilt Palladium's tier. Income, debt-to-income ratio, and existing relationship with Bilt also matter — use our Approval Predictor for a more personalized estimate.
What credit limit does the Bilt Palladium come with?
Bilt doesn't publish credit limits for the Bilt Palladium — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
How many transfer partners does Bilt Palladium have?
Bilt Palladium earns Bilt Rewards, which transfers 1:1 to 10+ airline and hotel programmes as of 2026. Compared to other transferable-points programmes, that puts it in the upper tier — only Amex MR has more partners. For sweet-spot redemptions, transferring to a partner typically beats portal redemption by 2-3× CPP.
Can I transfer Bilt Palladium points to World of Hyatt?
Yes — at 1:1. World of Hyatt accepts 1:1 transfers from Chase Ultimate Rewards and Bilt Rewards only, so Bilt Palladium qualifies via its Bilt Rewards ecosystem. Peak nights at Park Hyatt and Andaz properties redeem at 3–5 cents per point, the highest CPP in the points game.
What airport lounge access does Bilt Palladium include?
Bilt Palladium includes Priority Pass lounge membership. Lounge networks differ significantly between issuers — Centurion is Amex-only, Sapphire Lounges are Chase-only, Capital One Lounges are Cap One only. Pick the card whose network actually exists at the airports you fly through.
Editorial guides
More on Bilt Palladium and Bilt
Bilt Card 2.0: How the 5-Transaction Rule Works (2026 Guide)
Bilt killed the original card in February 2026 and replaced it with three new ones — Blue, Obsidian, and Palladium — that now earn on mortgage payments too. Here's exactly how the new system works, how much you need to spend, and which card is right for you.
Read
United MileagePlus: The Complete 2026 Program Guide
Why MileagePlus is the strongest US-domestic Star Alliance program for Chase UR holders — Excursionist Perk discontinuation explained, Polaris transcons at 35-45K, Star Alliance partner backup.
Read
British Airways Avios: The Complete 2026 Program Guide
The only oneworld currency with 1:1 inbound from FIVE US flexible-currency programs (Amex/Chase/Citi/Cap1/Bilt) — Cathay business at 70K, short-haul economy at 4-9K, the YQ surcharge problem.
Read
Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Bilt Palladium Card
Current offer: 50,000 Bilt — worth ~$1,100
Apply via ReferralBilt's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
Bilt Palladium
50,000 Bilt offer