MastercardBilt Palladium Card
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: Plus $300 Bilt Cash on approval and Bilt Gold status; housing spend excluded from the requirement
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xEveryday purchases
- 1xRent and mortgage
Credits ($600/yr stated)
- Bilt travel portal hotel credit$400
- Annual Bilt Cash$200
Benefits
- ✦Priority Pass membership with two guests
- ✦Bilt Gold status from the welcome offer
- ✦Option to take 4% Flexible Bilt Cash on everyday spend
- ✦Every $30 in Bilt Cash unlocks roughly 1,000 points on housing payments
- ✦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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