Bilt Palladium Card review

Bilt Palladium is the travel card for people whose biggest bill is rent or a mortgage. Bilt lets you earn points on housing payments with no transaction fee, and the housing multiplier rises from 0.5X to 1.25X depending on how much of your housing payment you also spend on the card each billing cycle. The Palladium tier costs $495 a year and earns up to 5X at Bilt dining partners, 4X on hotels and 3X on flights booked through Bilt Travel, 4X on Lyft and 2X on all everyday purchases. Bilt lists $200 in annual Bilt Cash, a $400 annual hotel credit paid as two $200 statement credits on Bilt Travel bookings, and Priority Pass lounge access at 1,300+ airports. New cardholders get 50,000 Bilt Points and Gold Status after spending $4,000 on purchases, excluding rent or mortgage, in the first 90 days. Points move to 25 transfer partners, and the card has no foreign transaction fees plus trip cancellation, trip delay and baggage coverage. The housing math takes some tracking.

Who it is for

Renters and homeowners who want points on housing payments plus lounge access.

Price

$495 annual fee.

The Bilt Palladium Card ($495/year
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Points on rent and mortgage payments with no transaction fee
• 2X points on everyday purchases, 4X on hotels and 3X on flights booked on Bilt Travel
• $400 annual Bilt Travel hotel credit, applied as two $200 statement credits
• Priority Pass lounge access at 1,300+ airports
• 25 transfer partners and no foreign transaction fees

Strengths and weaknesses

• Strength: Earns on housing payments, which most cards cannot
• Strength: Priority Pass and trip protections included
• Strength: 2X on everyday purchases
• Weakness: Housing rewards depend on how much you spend on the card each cycle
• Weakness: Hotel credit only applies to Bilt Travel Portal bookings
• Weakness: $495 fee is higher than Venture X

Key facts

• Annual fee: $495
• Welcome bonus: 50,000 Bilt Points and Gold Status after $4,000 in 90 days, plus $300 Bilt Cash
• Hotel credit: $400 a year on Bilt Travel bookings
• Lounge access: Priority Pass at 1,300+ airports
• Foreign transaction fee: None

Where it ranks

Bilt Palladium Card is No. 7 in our Best Travel Credit Cards verdict.