Palladium Card

Annual fee: $495
Network: mastercard
Type: personal

It earns rewards through the Bilt Rewards program, but the exact earning rates and benefits could not be confidently verified.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Perqt Analysis

Three ways to value this card. Only one of them is yours.

01Published

$200

What the issuer advertises.

02Realistic

$200

Pays out with no hoops.

03Yours

Open your wallet

From your real spend and redemptions.

Why Perqt says this

$200 advertised across 1 benefits.
Annual $200 Bilt Cash ($200) posts automatically. No hoops.
No-hoops value covers 40% of the annual fee.

Better fit if

You'll actually use Annual $200 Bilt Cash.
6× on dining matches your spend.

Probably not if

You want the fee covered without chasing — $295 short.

How Perqt calculates this

Earning rates

All other purchases
Must use the card at least 5 times each billing cycle to earn points.
1×
pts
Bilt Rewards · Earns 1x points on everyday purchases.
Top earn
Dining
Only valid on the 1st of the month (Rent Day). Must use the card at least 5 times during the billing cycle to earn points.
6×
pts
Bilt Rewards · Double points on Rent Day (up to 10,000 bonus points per Rent Day across all Rent Day double-point categories).
Travel
Only valid on the 1st of the month (Rent Day). Must use the card at least 5 times during the billing cycle to earn points.
4×
pts
Bilt Rewards · Double points on Rent Day (up to 10,000 bonus points per Rent Day across all Rent Day double-point categories).
Dining
Must use the card at least 5 times each billing cycle to earn points.
3×
pts
Bilt Rewards · Earns 3x points on dining.
Travel
Must use the card at least 5 times each billing cycle to earn points. Must be booked directly with airlines, hotels, car rental agencies, or cruise lines.
2×
pts
Bilt Rewards · Earns 2x points on travel.
All other purchases
Only valid on the 1st of the month (Rent Day), excluding rent. Must use the card at least 5 times during the billing cycle to earn points.
2×
pts
Bilt Rewards · Double points on Rent Day (up to 10,000 bonus points per Rent Day across all Rent Day double-point categories).
Rent
Must use the card at least 5 times each billing cycle to earn points. Limit of 100,000 points earned on rent per calendar year.
1×
pts
Bilt Rewards · Earn points on rent payments with no transaction fee.

On-card benefits & credits

Annual $200 Bilt Cash
$200
/Annual
Receive $200 in Bilt Cash each calendar year. It is automatically credited upon approval and then January 1; balances above $100 expire at year-end.
No transaction fees on housing payments
$0
/Annual
Housing payments made through Bilt incur no transaction fee. Eligible payment methods include Bilt's payment portal, ACH/BillPay, Venmo, PayPal, or check.
No foreign transaction fees
$0
/Annual
The card charges no foreign transaction fees on international purchases.
Priority Pass lounge access
$0
/Annual
Complimentary Priority Pass membership includes access for the cardholder and up to two guests. Additional guests cost $35 each per lounge visit.
Purchase Assurance
$0
/Annual
Covers most items purchased entirely with the card if damaged or stolen within 90 days. Coverage is up to $1,000 per loss and $50,000 per account per 12 months.
Trip Cancellation and Interruption Protection
$0
/Annual
Reimburses eligible nonrefundable common-carrier costs for covered trip cancellation or interruption. The full covered trip must be charged to the card, with coverage up to $2,000 per trip and $5,000 per account per 12 months.
The Mastercard Collection
$0
/Annual
Access Mastercard's travel, entertainment, and dining experiences and priority offerings for World Legend cardholders.
Trip Delay Reimbursement
$0
/Annual
Reimburses eligible travel expenses when a covered trip is delayed more than six hours. Coverage is up to $300 per trip and one claim per 12-month period.
Extended Warranty
$0
/Annual
Doubles an eligible original manufacturer or store warranty of 24 months or less, for up to 24 additional months. Benefits are capped at the lesser of the covered purchase amount, repair/replacement cost, or $10,000 per claim.
Mastercard ID Theft Protection
$0
/Annual
Receive identity-theft monitoring and resolution services, including web monitoring and suspicious-activity alerts. Enrollment is required.
Baggage Delay Insurance
$0
/Annual
Reimburses emergency replacement of eligible personal or business items in checked baggage delayed at least six hours. Coverage is up to $250 per claim, with two claims per 12 months.
Price Drop Protection
$0
/Annual
Reimburses the eligible price difference when a covered purchase is advertised for less within 90 days. Claims must be at least $25 and are capped at $250, with four claims per 12 months.
Free rent-payment credit reporting
$0
/Monthly
Bilt reports every on-time rent payment made through Bilt to support the cardholder's credit history.
Cellular Wireless Telephone Protection
$0
/Annual
Reimburses repair or replacement of an eligible stolen or damaged phone when the monthly cellular bill is charged to the card. Coverage is up to $800 per claim and $1,000 per 12 months, with a $50 deductible and two-claim annual limit.

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