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.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$400 of the advertised value — 67% — comes with strings attached.
- $600 advertised across 2 benefits.
- $400 (67%) needs a booking, enrollment, or deadline.
- Biggest credit — $400 Bilt Travel Hotel Credit, $400 — comes with conditions.
- $200 of Bilt Cash ($200) posts automatically. No hoops.
- No-hoops value covers 40% of the annual fee.
- You'll actually use $400 Bilt Travel Hotel Credit.
- You'll actually use $200 of Bilt Cash.
- 5× on Bilt dining matches your spend.
- You won't use $400 Bilt Travel Hotel Credit.
- You want the fee covered without chasing — $295 short.
Welcome offer
50,000 Bilt Points and Gold Status after spending $4,000 on purchases (excluding rent or mortgage) in your first 90 days, plus $300 of Bilt Cash.
- Est. value
- $1,050
- Minimum spend
- $4,000
- Within
- 3 mo
Earning rates
- All Eligible Purchases except Bilt Housing Payments2×pts
- Other everyday purchases2×ptsBilt Points
- Top earnBilt dining5×pts
- Hotels4×ptsBilt Travel
- Everyday purchasesRequires choosing Flexible Bilt Cash as your Bilt-exclusive bonus rewards option4×cash backBilt Cash
- Lyft4×pts
- Flights3×ptsBilt Travel
- Housing paymentsSpend 100% or more of your monthly housing payments on everyday purchases (Housing-only rewards)1.25×ptsBilt Points
On-card benefits & credits
- $400 Bilt Travel Hotel Credit$200/Semi-annual
Bilt Palladium Cardholders will receive $400 in hotel credits, to be applied in $200 increments twice a year as described below. Credits of up to $200 may be applied to qualifying hotel bookings made through the Bilt Travel Portal from January 1 through June 30 and up to $200 from July 1 through December 31, for a total maximum of $400 each calendar year.
- $200 of Bilt Cash$200/Annual
You, as the Primary Cardholder, will receive $200 in Bilt Cash each calendar year. Calendar year means January 1 through December 31 of that same year. The $200 Bilt Cash will be automatically credited to your Bilt Rewards Account upon Card Account opening date and on January 1st of each subsequent year that your Card Account remains open and in Good Standing.
- Concierge Service.$0/As needed
Concierge Service. Imagine your own Personal Assistant 24 x 7
- No Foreign Transaction Fees$0/As needed
The card charges no foreign transaction fees on international purchases.
- Priority Pass Membership$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/As needed
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.
- Mastercard Travel & Lifestyle Services$0/As needed
As a World Legend Mastercard® cardholder, you have access to Mastercard® Travel & Lifestyle Services, a suite of benefits, amenities and upgrades, preferential treatment and premium travel offers from best-in-class travel companies across hotels, air travel, tours, cruises, car rentals and more. This is a digital, self-service travel booking platform exclusively for Mastercard cardholders.
- MasterRental Coverage$0/As needed
Covered - physical damage and theft of the vehicle, not to exceed the limits outlined below; reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service; towing charges to the nearest collision repair facility. In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service.
- Trip Cancellation and Interruption Insurance$0/As needed
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.
- Extended Warranty$0/As needed
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.
- Trip Delay Insurance$0/As needed
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.
- Mastercard ID Theft Protection$0/As needed
Receive identity-theft monitoring and resolution services, including web monitoring and suspicious-activity alerts. Enrollment is required.
- Baggage Delay Insurance$0/As needed
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.
- No transaction fees on housing payments$0/As needed
Housing payments made through Bilt incur no transaction fee. Eligible payment methods include Bilt's payment portal, ACH/BillPay, Venmo, PayPal, or check.
Other Bilt cards
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