A note from editor’s note After Bilt 2 was released. 0 the program introduced an additional free-to-pay point on rent or mortgage payments. For the latest, click here to hear more about .
The new premium offering from Bilt Rewards the Bilting Palladium Card (see rates and fees) could be an industry disruptor for frequent travelers hoping to make the most of their daily routines, while also paying on housing costs.
TPG’s choice for the most valuable currency on market is Bilt Points, which earns this top-tier Bilit Rewards card at its highest rate in its three-card family. This is a stellar welcome bonus at launch that new cardholders won’t want to miss out on — especially since you will only get one bonus per lifetime across the Bilt card portfolio.
A new cardholder of New Bilt Palladium can earn 50,000 bonus points and Bilit Gold status (through the rest of the calendar year in which it was earned and subsequent calendar month) after spending $4,000 on purchases during opening accounts for three months. On approval, card holders also receive $300 in Bilt Cash for their cards.
According to TPG’s January 2026 valuations, the points in this offer are worth $1,100. Combined with the $300 in Bilt Cash, you’ll get up to $1,400 in welcome bonus value.
bill palladium holders collect Bilt Palladial cardholders earn Bilten points at a high rate on every purchase. However if you choose, the card racks up Bilt Cash, which is redeemable in several ways across the Bilted platform for rent and mortgage transaction fees.
Its Bilt Palladium Card charges less than many of its premium counterparts with a $495 annual fee, and offers good amenities including airport lounge facilities (easy-to–understanding statement credits) and travel-focused perks.
But if you’re all-in on Bilt, looking for simplicity and to collect high value rewards on housing costs and everyday purchases, there are plenty of reasons to look at the Bill Palladium Card long. s **Card rating* ** ‘***,.
*Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
Bilt Palladium: The basics
The Bilt Palladium Card earns transferable points and provides top-tier benefits within the Bilt Rewards program.
Bilt Palladium Card is best known for its rewards on everyday purchases, which are the main sex appeal of it. This card is a frequent use of to make the most out of this card. The cards are averaging 2 Bilt points per dollar spent and, if you choose to earn Bilit Cash (4% in Bilting Cash on everyday purchases), so you won’t have to worry about memorizing bonus categories.
Considering TPG’s valuation of Bilt points at 2 (in terms of )? if you’re 2 cents each, and as many as 4 per cent. In Bilt points 4% of the card’s $495 annual fee (modest compared to its competitors) is great, especially when you consider it as a very good rate for your everyday purchases.
Comparing the Bilt Palladium Card and other flat-rate rewards cards like Capital One Venture X Rewards Credit Card, this stands out. In addition to TPG’s valuation of Capital One miles at 1 – the Venture X makes 2 miles per dollar on most purchases. Upon spending 85 cents each, your return on spend equals 3 per cent. A 7% (less than you’ll get for the money on the Bilt Palladium) or.
THE POINTS GUY
Billit was famous for being the site to earn points on rent (and now mortgage) costs, and you’ll make an unlimited amount of money up to 1. The Bilt Palladium Card has 25 Bilten points per dollar spent on rent and mortgage payments with the Bil T Palladium Cards. For the full 1 to be unlocked, a must have been in order. you have to choose in for Bilt 2 – 25 points per dollar spent. The new tier-rewards system of 0 is to spend 100% of your rent on nonhoused purchases and pay for the whole thing you’re going through.
Suppose you pay $2,000 per month in rent, for example “you have to spend another $3,000 on your card to make 1-1.” 25. points per dollar on your rent payment?
When you make Bilt Cash, your spending on housing costs is 1 point per dollar. Nevertheless, it’s worth noting that you’ll now have to pay a 3% transaction fee on these purchases if you follow the Bilt Cash path. That means the 4% Bilt Cash you earn from everyday use of thebilt Palladium Card will help offset this loss.
The Bilt Cash is a dollar-for-dollar redemption option among other redeeming options in the Bilted Rewards ecosystem, where it can be used as redeemed at ‘$1 for transaction fees on rent and mortgage payments’. If you’re paying a $2,000 housing bill, to defy it down, you will pay $60 in transaction fees for the sale of your home.
If you’ll make 4% Bilt Cash on everyday use, then you have to spend at least $1,500 per month on the card to earn $60 back in Bilit Cash for this fee.
Once you collect Bilt points, you’ll want to use them with Bilt’s star-studded lineup of 23 transfer partners.
In contrast to some of the other premium rewards cards that exist today, the Bilt Palladium has a long list of complicated statement credits in order to make the most out of it.
card holders instead receive $400 in Bilt Travel portal credits for hotel bookings (blitz biannually each calendar year) and $200 inbilt Cash per calendar. The Priority Pass membership allows cardholders to also have free airport lounge access.
Related: United cardholders can earn 2X miles on rent payments through Bilt here’s how
Bilt Palladium pros and cons
| Pros | Cons |
| — | — |
| * Annual Bilt Cash * Annual Bilt Travel portal hotel credit * Elevated everyday earnings * No foreign transaction fees * Priority Pass membership * Unlimited points earning on rent and mortgage payments | * Housing payments may include transaction fees * High annual fee * Most Bilt Cash earned will expire at the end of the year * Strict rules for earning a welcome bonus * Tax payments do not earn points |
Bilt Palladium benefits
The Bilt Palladium Card offers several key perks to help offset its $495 annual fee.
Annual benefits
The Bilt Palladium Card provides two solid annual benefits that, when combined, offset the card’s $495 annual fee.
The first is a $400 Bilt Travel portal credit for hotel bookings made through the portal. The perk is divided biannually each calendar year, meaning that in the first six months of the year you’ll get $200 to use; and $200 for the last six month of your year.
SMALL LUXURY HOTELS
Moreover, you’ll get $200 in Bilt Cash each calendar year (even if you choose to earn points through the tiered rewards system).
A dollar-for dollars value can be applied to Bilt Cash for multiple types of payments within the Bilted Rewards platform, such as transaction fees on rent and mortgage payments.
Bilt Neighborhood Benefits
In the Bilt Palladium Card, when you use one of the 50,000-plus merchants in the Bill’s network with one or two other merchant members, you will earn more Bilties for every dollar spent on Bilting.
These merchants include restaurants, select pharmacies (such as Walgreens), Lyft and some fitness studios.
Lounge access
Priority Pass is a free membership for Bilt Palladium cardholders that provides access to the world’s network of over 1,800 airport lounges through Priorit Pass, which allows them to use Priorities Pass’.
CLINT HENDERSON/THE POINTS GUY
This perk alone is valued at $469 per year.
World Legend Mastercard benefits
A World Legend Mastercard, the Bilt Palladium is a World legend mastercard; it has many advantages from Master card such as.
- Access to Mastercard Concierge, Mastercard ID Theft Protection and Mastercard Zero Liability
- Global emergency services
- Partner benefits with merchants such as Instacart, Lyft and Peacock
Related: Best lounge access credit cards: 4 picks for frequent flyers
How to earn and use Bilt points and Bilt Cash on the Bilt Palladium
Earning Bilt points and Bilt Cash
The Bilt Palladium Card is a simple yet high-value transferable rewards card. You’ll earn:
- 2 points per dollar spent on everyday spending†
- Up to 1.25 points per dollar spent on rent and mortgage payments
- 4% Bilt Cash earned on everyday spending (if you opt to earn Bilt Cash)
†Tax payments and purchases with online resale marketplaces (such as eBay or Facebook Marketplace) do not earn points.
10’000 HOURS/GETTY IMAGES
When considering TPG’s valuation of Bilt points at 2. It’s an 8-8 for the dollar-for-dollar value of Bilt Cash, and 2 cents apiece. A 4% return on everyday use, . You’ll get up to a 2 plus, you’re going to be . Mortgage payments and rent return of 75 per cent, according to .
Don’t forget to make the full 1. When paying for housing payments, you’ll have to choose tiered rewards and spend the equivalent of your housing payment in nonhousing purchases each billing cycle.
Redeeming Bilt points and Bilt Cash
Redeeming Bilt points can be used to earn book travel through the Bill Travel portal, buy items from thebilt Collection, book fitness classes, pay for Amazon. They buy things directly or use them to pay for next month’s rent.
Redeeming options are available for many redemptions but they do not give a value that matches our valuation of Bilt points at 2? 2 cents apiece. We love putting Bilt points on partners, so you’ll know that value (or better) when you transfer them to the partner.”
EQUINOX/FACEBOOK
Within Bilt Rewards you can redeem Bilent Cash for transaction fees on rent and mortgage payments, fitness classes, home delivery orders; hotel bookings, Lyft rides or other expenses.
The most important factor is Bilt Cash, who decides to make the money by imposing transaction charges on rent and mortgage payments. So for prospective cardholders, that’s why it’d be important to make sure they can use this card in many of their everyday purchases.
Most Bilt Cash expires at the end of each calendar year, and $100 in Bilit Cash will be rolled over into the following year.
Transferring Bilt points
The best way to use your Bilt points is leveraging the 23 partner airline and hotel transfer partners of Bilit. Atmos Rewards, Southwest Airlines Rapid rewards and United airlines MileagePlus and World of Hyatt are our favorite partners. The most valued programs of TPG’s highest-valued program are these programs, and using such partners can lead to some seriously fantastic redemptions.
You have Blue status with Bilt Rewards and you need to transfer at least 2,000 points for each partner. Silver, Gold or Platinum Bilt status If you’re a Silver/Gold and Platinum Blitz person, you have to transfer at least 1,000 Bilties points. It is necessary to transfer transfers in 1,000-point increments, according to .
Remember that you’ll receive Bilt Gold as part of this card’s welcome offer.
CLINT HENDERSON/THE POINTS GUY
In the past I’ve loved transferring Bilt points to Atmos Rewards for American Airlines flights. A long distance award charts from Atmos Rewards are a great value for all routes, including 55,000 points in premium-cabin flights to London and 60,000 points on one way business-class flights into Japan.
It also offers high-value redemptions through its award chart, World of Hyatt 21,000 points per night at the Great Scotland Yard Hotel or 57,500 points (57.500) per nights at Miraval Austin.
Related: The best Hyatt all-inclusive resorts in the world
Where the Bilt Palladium could fall short
If you earn the Bilt Palladium Card as your everyday spending card, you’ll get the most value from it. This will ensure you either earn enough Bilt Cash to offset transaction charges or spend enough to make at least 1 point per dollar spent through the tiered rewards system.
A new rewards card or even a cash-back card would be better for those who don’t rent and pay. If you aren’t going to take bilt, but have Bilt’s rewards system complicated (or live outside of if you can enjoy many local events and benefits)?
FILADENDRON/GETTY IMAGES
Would be a good candidate to apply for bilt card, but the Bilt Palladium Card isn’t what you want; so are no-annual-fee Bilted Blue Card (see rates and fees) and mid-tier Bilten Obsidian Card(see rate and charges) for $95 yearly. These options offer different earning rates within Bilt Rewards, both of which are worth checking out.
Bilt Palladium Card vs. Bilt Obsidian Card
The mid-tier Bilt Rewards card, which is designed for travelers who want to collect Bilties points across multiple bonus categories, is the Bil T Obsidian Card.
For cardholders who are willing to take advantage of bonus categories, it earns 3 points per dollar spent and 4% Bilt Cash (if you choose Bilent Cash) on your choice of dining or grocery bills (on up to $25,000 in spending per calendar year) and 2 points/dollar spent on travel. That means you’ll make up to 1. A point per dollar spent on housing and 1 point a dollar for all other purchases are 25 points per cent.
The Bilt Palladium Card is a flat 2 points per dollar spent on purchases other than rent and mortgage payments, so if you spend more often on all kinds of things that are buying it, then the sense to pick up this card makes sense.
Related: How to pick the right travel credit card for you
Is the Bilt Palladium worth it?
If you’re ready to make Bilt the center of your award strategy, then go for the Bilten Palladium Card. Often for many, it will be the ability to earn points on rent and mortgage payments that determines what is most important.
The card makes premium perks easy, plus it does not require memorizing many bonus categories or long list of statement credits.
JORDI SALAS/GETTY IMAGES
But if you don’t have the right to focus on the Bilt Palladium Card, you might want to go another way. If you aren’t spending too much on Bilt Palladium to rack up a lot of Bilten Cash or to meet the tiered rewards system’s spending requirements, it’ll be hard to get full benefits from Bilting Rewards (and avoid transaction fees on housing payments)?
Additionally, if you often go on specific types of spending (e.g. food and travel), it may be worth considering another card in the Bilt family such as the Bill Obsidian Card.
Related: You can earn Bilt Rewards points when shopping online through Rakuten
When to apply for the Bilt Palladium
The Bilt Palladium Card’s introductory bonus is a strong launch offer.
If you spend $4,000 on purchases in the first three months from account opening, new cardholders earn 50,000 bonus points. On approval, card holders also receive $300 in Bilt Cash for their cards.
KATIE GENTER/THE POINTS GUY
These points are valued at $1,100 by TPG’s valuations. Combined with the $300 in Bilt Cash, you can get up to $1,400 from this welcome offer.
Jump on this offer if you want to accumulate a stash of valuable travel rewards quickly. remember that if you’re allowed to earn one bonus in a lifetime on all Bilt cards.
Related: The best credit card welcome bonuses this month
Other cards to consider instead of the Bilt Palladium
Although the Bilt Palladium Card is not a good option for everyone, here are some alternatives to consider if you’re in the market for transferring rewards card with various benefits.
- If you want broader lounge access: The
American Express Platinum Card®
A collection of American Express Global Lounges, which will allow you to get into many more lounges than you would have access to with the Bilt Palladium Card alone, offers industry-leading lounge access. See also our full review of Amex Platinum for more information read our complete review.
- If you want bonus categories and more statement credits: The
Chase Sapphire Reserve®
In some popular spending categories, cardholders earn more rewards (see rates and fees) and offer many more lifestyle-oriented statement credits than the Bilt Palladium Card. Watch full review of Sapphire Reserve to read more Read our original review for the.
Alternatively, * **If you want to pay less annually*** The capital one venture-x rewards credit card is lower $395 annual fee (and earns Capital One miles at an elevated flat rate like the Bilt Palladium Card) and its highest level of 335. Read our review of the Venture X in full for more to know about .
For additional options, see our list of the best travel credit cards.
Related: Current Bilt cardholders: Key dates and deadlines as Bilt transitions to new card options
Bottom line
We were impressed with the Bilt Palladium Card, which earned one of the most valuable reward currencies on the market at a high rate.
The Bilt Palladium Card is a good option for you if you want to focus your travel rewards strategy on Bilting Rewards and use the card for most of your daily expenses. This card is a very high value you’ll get from swiping this, so long as you can do the math on how much money does one spend everyday to put on the card, you will certainly come out far ahead.
Yet if you’re not seeing the Bilt Palladium Card as your main spending card, then you risk falling behind in transaction fees with housing payments.
Assuming you have the best card in your strategy, if it’s the main card, then be sure that there is some pros and cons for what will happen to you before adding this into your wallet. Otherwise, you may be better off with another rewards card instead of a .
Apply here: Bilt Palladium Card
For rates and fees of the Bilt Palladium Card, please click here.
For rates and fees of the Bilt Blue Card, please click here.
For rates and fees of the Bilt Obsidian Card, please click here.
Thanks for reading Bilt Palladium Card review: Earn valuable rewards on housing
