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Bilt

Palladium Card

Annual fee
$495
Network
mastercard
Type
personal

The card earns points on rent payments without a transaction fee, alongside elevated rewards on travel and dining, which can be transferred to premium airline and hotel partners.

Bilt Palladium Card

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.

Earning rates

  • all other purchases
    2×
    pts
    Bilt Points · Base earn on non-bonus spend.
  • Top earn
    dining
    At participating Bilt Neighborhoods restaurants (opt-in)
    5×
    pts
    Bilt Points · Bilt Neighborhoods · Up to 5x at Bilt Neighborhoods dining partners.
  • rideshare
    Lyft rides paid with the card
    4×
    pts
    Bilt Points · Lyft partner rate.
  • hotels
    Booked through the Bilt Travel portal
    4×
    pts
    Bilt Points · Bilt Travel · Portal-only.
  • flights
    Booked through the Bilt Travel portal
    3×
    pts
    Bilt Points · Bilt Travel · Portal-only.
  • rent
    1.25×
    pts
    Bilt Points · Housing payments (rent, mortgage, HOA) earn 1.25x Bilt Points. No transaction-count requirement and no annual cap.

On-card benefits & credits

  • Trip Cancellation & Interruption
    $5000
    /as_needed

    Up to $5,000 per trip for non-refundable, prepaid travel charged to the card. Subject to Mastercard World Elite Guide to Benefits terms.

  • Cell Phone Protection
    $1000
    /as_needed

    Up to $1,000 per claim, $50 deductible, maximum 2 claims per 12 months. Coverage requires paying monthly cell bill with the card.

  • Purchase Assurance
    $1000
    /as_needed

    Damage/theft coverage for eligible purchases charged to the card. Up to $1,000 per claim, $50,000 per year. Subject to Mastercard World Elite Guide terms.

  • Trip Delay Reimbursement
    $500
    /as_needed

    Up to $500 per person for common-carrier trip delays of 6+ hours or requiring an overnight stay. Subject to Mastercard World Elite Guide terms.

  • Bilt Cash Annual Credit
    $200
    /annual

    $200 in Bilt Cash issued each January 1; redeemable within the Bilt ecosystem (Bilt Travel, Bilt Neighborhoods, Bilt Rewards Mall, Amazon.com). Subject to program rollover/expiration rules.

  • Bilt Travel Hotel Credit
    $200
    /semi_annual

    $400 annual credit for hotel bookings made through the Bilt Travel Portal, applied as two $200 statement credits per year.

  • Priority Pass Select (+2 guests)
    $0
    /annual

    Complimentary Priority Pass Select membership with 2 guests per visit. Enrollment required. Recurring dollar value modeled at $0; per-visit value is credited through logged lounge visits (existing per-visit methodology).

Other Bilt cards

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