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Other · Visa

Bilt Palladium Card

The Bilt Palladium Card is here to help you earn rewards on your housing payments.

ByHillel Sonnenschine·

The Bilt Palladium Card is here to help you earn rewards on your housing payments. Chose between earning 4% Bilt Cash on all purchases which can ultimately be used to unlock points on your mortgage or rent payment, or earn up to 1.25x Bilt Points on your mortgage or rent based on your everyday spend amounts. Also earn 2X points on everyday spend. Card benefits include up to a $400 Bilt Travel hotel credit, a $200 Bilt Cash bonus per calendar year, plenty travel and purchase protections, and more.

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Annual fee
$495
Welcome bonus
~$800
Spend $4,000 in 3 months
Purchase APR
Charge card
Foreign tx fee
None
Welcome bonus
Earn $300 Bilt Cash when you get approved for the card. Plus, earn 50,000 Bilt points and Gold Status after spending $4,000 on purchases (excluding rent or mortgage) within the first 3 months. Get 10% intro APR for 12 months on purchases (after that 26.74% to 34.74% variable).
Estimated value: ~$800

Rewards

CategoryRate
Bilt Cash on all purchases or up to
4%
on your rent and mortgage
1.25x
points on everyday spend Bilt Neighborhood Partners rewards: 4X+ points at partner
2x
points on Lyft rides once you’ve linked your Bilt and Lyft accounts
4x

Benefits

  • Anniversary Bonus: Get a $200 Bilt Cash bonus per calendar year.
  • Auto CDW Insurance: Secondary coverage on rentals. Coverage is for rentals up to 31 days.
  • Credits: Get a total of up to $400 Bilt Travel hotel credit. Get a $200 statement credit twice a year for qualifying Bilt Travel Portal hotel bookings.
  • Extended Warranty: Get your original manufacturer’s warranty time doubled (up to an additional 24 months). (Will only cover if the original warranty is for 24 months or less).
  • Lost Luggage Insurance: Get up to $1,500 per claim for lost or damaged luggage. Max 2 claims per 12 months.
  • Lounge Access: Complimentary lounge membership for you and up to two guests. For each additional guests, the charge is $35 per guest per lounge visit.
  • Price Protection: If you buy an item and then within 180 days find the identical item for cheaper at any US retailer, then you will be reimbursed the difference. Up to $250 per claim.
  • Trip Delay Insurance: If your flight is delayed for 6+ hours, you can claim up to $300 per trip to cover expenses like meals, lodging, toiletries, medication, and other personal use items.

Best for

  • 14% on Bilt Cash on all purchases or up to
  • 21.25x on on your rent and mortgage
  • 32x on points on everyday spend Bilt Neighborhood Partners rewards: 4X+ points at partner
Recommended credit
Good

Terms shown are illustrative based on publicly available information and may have changed. Always confirm current rates, fees, rewards, and terms with the issuer before applying.

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