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
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What you get
All 5 perks ↓Perks/yr up to
$940
Annual Fee
$495
Covers fee
1.9×
2 of 5 need activation — credits often split into small chunks, easy to miss.
Historical Intelligence
Offer history & timing
Current
50,000
Average
50,000
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 50,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Below Average
Est. -$133 first-year cost
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 50,000). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
-$133
65% benefit utilization, minimal travel redemptions
Realistic
-$133
85% benefit utilization, occasional transfer partner redemptions
Optimized
-$133
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
-$133/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. 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.
Alternatives
Consider these cards instead
Chase
Sapphire Preferred
Flexible points travelers who want transfer partner access without a premium annual fee
$95/yr
100,000 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 tracked statement credits typically cover 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.
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.
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.
Editorial guides
More on Bilt Palladium and Bilt
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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
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Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Bilt Palladium
50,000 Bilt offer