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Bilt Palladium Card

Bilt Points
Welcome bonus
50,000 points
+ $300 Bilt Cash
≈ $1,250 at 1.9¢ per point, extras included
after $4,000 spend in 3 months
Annual fee$495 
Value per point~1.9¢median of 6 published valuations
First-year value*$1,937easy credits counted · $1,937 with none
Year 2+ value*$687each year after the first, after the fee · $687 with no credits
$495 fee vs $600 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $495 ↓
Worth ~1.9¢/pt, median of 6 published valuations

Range 1.55–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Bilt’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Bilt card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.9¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$495
vs
Stated credits a year$600face value, as Bilt states it
  • Bilt also states $469/yr of value for perks such as lounge access (listed below, not in this total)
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Your net cost$495Yearly cost after year 1: annual fee − credits you’ll use ($0)
Year 2+ value*$687each year after the first, after the annual fee, with your ticks
First-year value*$1,937bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • other Earn on rent/mortgage with no transaction fee

Source: Bilt card page and benefit terms · checked 2026-10-23.

Is the Bilt Palladium Card worth the $495 annual fee?

It depends on your use: how much you spend and which credits you’d genuinely use. Here is the site’s own math from Bilt’s page (checked October 23, 2026) and the median of 6 published valuations (1.9¢). Year 2+ value is each year after the first, after the fee, at our sample profile ($31,100/yr spend).

Annual fee$495
Stated credits a year (face value)$600
Earning a year at our sample profile (incl. any annual bonus points)$1,182
Year 2+ value, no credits used$687
Year 2+ value, easy credits only (our default, $0)$687
Year 2+ value, every stated credit used ($600)$1,287

On this spending the earning alone covers the fee. This compares the card with having no card; a no-fee card would also earn something on the same spend. Tick the credits you’d use in Credits & perks or run your own numbers.

How it earns

  • 4x Travel booked on the card’s own travel site
  • 1x Rent / mortgage paid by card
  • 2x everything else
  • 2x on all everyday purchases; 4x hotels / 3x flights via Bilt Travel; 4x Lyft when linked.
  • Housing modeled at 1x (Bilt says up to 1.25x).

Offer details

  • 50,000 points after $4,000 in 3 months
  • + $300 Bilt Cash
  • Plus Bilt Gold status; $300 Bilt Cash welcome bonus
  • Spend excludes rent/mortgage; window is 90 days

Annual fee $495. Credits from the issuer page are in Credits & perks above.

Questions about the Bilt Palladium Card

What is the Bilt Palladium Card welcome bonus?

50,000 points after $4,000 in 3 months (+ $300 Bilt Cash), about $1,250 at the median published point value, per Bilt’s card page checked October 23, 2026.

What is the Bilt Palladium Card annual fee?

$495 a year, as listed on Bilt’s page on October 23, 2026.

How much are its points worth?

About 1.9¢ each: the median of 6 published valuations (range 1.55–2.2¢), checked October 23, 2026.

What credits does the Bilt Palladium Card include?

$600 a year in stated credits at face value, across 2 credits. By our default (only easy, flexible credits) you’d use $0, so the yearly cost after year 1 is $495.

Is the Bilt Palladium Card worth the $495 annual fee?

It depends on your use. On Bilt’s figures (checked October 23, 2026) the fee is $495 a year against $600 a year in stated credits at face value. At our sample profile ($31,100 a year of spending) its earning (including any annual bonus points) is worth about $1,182 a year at 1.9¢ per point, so Year 2+ value is $687 if you use none of the credits, $687 with only the easy credits we count by default, and $1,287 if you’d use every stated credit in full. On this spending its earning covers the fee even before credits. These figures compare the card with having no card; a no-fee card would also earn something on the same spend.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus: 50,000 points × 1.9¢ + $300 extras$1,250
A year of earning: 62,200 points × 1.9¢$1,182
Annual fee−$495
First year / Year 2+$1,937 / $687

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.