Bilt (Column N.A.)
Bilt Palladium Card
Annual Fee
$495
Sign-up Bonus
50,000 pts
Travel Credit
$400
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Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- Credits worth about $320/yr at typical usage offset 65% of the fee
- Airport lounge access
Is the $495 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$689/yr
$864 rewards + $320 credits - $495 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$761/yr
$936 rewards + $320 credits - $495 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$833/yr
$1,008 rewards + $320 credits - $495 fee
Rewards by Category
Dining
2x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
2x
Amazon
2x
Costco
2x
Other
2x
Apple
2x
Cell Phone
2x
Fast Food
2x
Home Utilities
2x
Internet
2x
Walmart
2x
Point value: 1.8 cents per point
The Fine Print That Changes the Math
Bilt Card 2.0 (Jan 2026). 2X on all non-housing purchases. $400 hotel credit. Welcome: 50k points + Gold Status. Up to 1X on rent/mortgage.
Benefits & Credits
Airport Lounge Access
Priority Pass or proprietary lounges
Hotel Credit$400
We count this at 80% of face value (typical usage)
Bilt Palladium Card FAQ
What is the Bilt Palladium Card annual fee?
The Bilt Palladium Card has a $495 annual fee. Statement credits worth about $320/yr at typical usage reduce the effective cost.
What is the Bilt Palladium Card signup bonus?
50,000 points for new cardholders meeting the minimum spend. Check the issuer's site for the current offer.
What are the best spending categories for the Bilt Palladium Card?
2x on flights, 2x on hotels, 2x on other travel. Everything else earns 2x.
Is the Bilt Palladium Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $689/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Does the Bilt Palladium Card include airport lounge access?
Yes. Lounge access is included; the cash value depends on how often you fly.
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Is Bilt Palladium Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.