Bilt Palladium Card
By Alex Compton · Last verified
Bilt's premium play: 2x on everything, lounge access and the richest housing rewards.
Welcome Bonus
50,000
≈$1,000 value
Spend Requirement
$4,000
in 3 months
Annual Fee
$495
No FTF
Credit Score
740+
(Excellent)
Current offer note: 50,000 Bilt Points plus Gold status after $4,000 in non-housing purchases within 90 days, plus $300 Bilt Cash upon approval
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 50,000 | $4,000 in 3 mo | Terms reconfirmedPlus Gold status and $300 Bilt Cash; qualifying spend excludes housing purchases | Bilt card lineup and terms → |
| 2026-06 | 50,000 | $4,000 in 3 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2026-02 | 50,000 | $4,000 in 3 mo | Earliest recordBilt 2.0 launch tier | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Confirmed the 50,000-point plus $300 Bilt Cash welcome offer and recorded current earning, housing, annual-credit and authorized-user lounge terms.
Fields: currentOffer, offerHistory, earningRates, benefits, authorizedUserFee, applyUrl, lastVerified
Bilt card lineup and terms →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xBilt Neighborhood Dining, up to
- 4xHotels booked through Bilt Travel
- 4xLyft
- 3xFlights booked through Bilt Travel
- 2xAll everyday purchases
- 1.25xRent, mortgage & HOA, up toWith housing-only rewards; rate depends on everyday card spend relative to the housing payment
Credits ($600/yr stated)
- Bilt travel portal hotel credit$400
- Annual Bilt Cash$200
Benefits
- ✦Priority Pass membership with access to 1,300+ lounges
- ✦Authorized users receive Priority Pass access; each authorized-user card costs $95
- ✦Bilt Gold status from the welcome offer
- ✦Option to take 4% Flexible Bilt Cash on everyday spend
- ✦Every $30 in Bilt Cash can unlock 1,000 housing points under Flexible Bilt Cash, up to 1x
- ✦No annual cap on eligible housing rewards and no five-transaction minimum
- ✦No foreign transaction fees
Why it earns its spot
- +Flat 2x transferable points everywhere is a strong base
- +$600 in stated annual credits against a $495 fee
- +Lounge access on a rent-earning card is unique
Where it costs you
- −$495 is a lot for a first-generation Cardless product
- −Hotel credit only works through the Bilt portal
- −Housing earn still routes through Bilt Cash mechanics
The Compound Verdict
On paper the Palladium pencils: 2x everywhere, $600 of credits and Priority Pass for $495. In practice the credits are portal-locked and the program is months old under a new issuer, so this is for Bilt loyalists with big housing payments, not premium card shoppers comparing against a Venture X.
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