Bilt · personal · mastercard
Bilt Palladium Card
A $495 premium card that only maths out if you use Bilt Travel: the $400 hotel credit + $200 Bilt Cash exceed the fee on paper, but both push you into the portal. Flat 2X everywhere plus rent earning and Priority Pass make it a genuine CSR/Platinum alternative for renters — skip it if you won't book portal hotels twice a year.
Current public offer
50,000 Bilt Points + Gold Status (after $4,000 in 90 days, excluding rent/mortgage) plus $300 of Bilt Cash at approval after $4,000 spend in 3 months — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $495
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- Up to 1.25X points on rent and mortgage (no transaction fees on housing payments) — or choose 4% back in Bilt Cash on everyday spend instead
- Up to 5X at 20,000+ Bilt partner restaurants
- 4X hotels and 3X flights booked on the Bilt Travel Portal; 4X Lyft after linking
- 2X on all other everyday spend
Transfer partners
Alaska & Hawaiian (Atmos) · Japan Airlines · British Airways · Aer Lingus · Iberia · Etihad · Virgin Red · Avianca · Qatar · Southwest · TAP Air Portugal · United · Turkish · Emirates · Cathay Pacific · Air France-KLM (Flying Blue) · Air Canada · Hyatt · I Prefer · Hilton · Accor · Marriott · IHG · Wyndham
Statement credits
- Bilt Travel Portal hotel credit ($200 twice a year) — $400 / year
- Bilt Cash, awarded annually (up to $100 rolls over) — $200 / year
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.