Bilt Rewards Palladium Review 2026
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
See offerYou'll leave SwitchWize. Verify terms with the issuer.
SwitchWize is not paid if you apply through this link. We have no paid agreement with Bilt Rewards for this card, and payment would not change how we rank cards. How we make money
Your card estimate
Net first-year value
First year
+$105
Rewards + bonus - fee - interest drag
Ongoing year
+$105
Excludes one-time welcome offer
SwitchWize take
Rewards credit card
Bonus value
See terms
Everyday rewards
2x points
Up to 5x in some categories
Annual fee
$495
APR
26.99%-34.99%
Quick summary
What this card is, in plain words
Palladium has a $495 annual fee. It earns 2x miles on everything else, and more on 6 categories (the highest is 5x miles on bilt dining). It charges no foreign transaction fee.
What to consider
- The $495 annual fee is charged every year, so the rewards have to be worth more than that.
- The 4x miles rate on hotels through bilt travel applies only when you book through the issuer's own portal.
- The 3x miles rate on flights through bilt travel applies only when you book through the issuer's own portal.
Pros & cons
- Strong rewards rate (2%)
- Annual fee: $495
- High regular APR (26.99%)
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $495
- Foreign transaction fee
- None
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Bilt dining
5x miles
Bilt partner restaurants
5x miles
Lyft
4x miles
Hotels through bilt travelIssuer portal only
4x miles
Flights through bilt travelIssuer portal only
3x miles
Everyday purchases
2x miles
Rent, mortgage and hoa
1.25x miles
Rent and mortgage
1.25x miles
Everything else
2x miles
Points value
What Bilt Rewards points are actually worth
This card earns Bilt Points, currently valued at 2.20¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full Bilt Rewards program page or the full valuation methodology.
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Perks and credits
- No Transaction Fees on Housing Payments
- Priority Pass Membership (cardmember year)
Offer history
How today's bonus compares
Current public welcome offer
50,000 points
Observed Nov 14, 2026
12-month best
$50,000
2 tracked observations
Signal
At or near tracked best
Last history update Nov 14, 2026
Current offer is near the observed high. Tracked since Nov 13, 2026, range $50,000–$50,000 across 2 tracked readings — not a signal to act by any deadline, just context on where today's offer sits historically.
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (Jun 3, 2026). Tracked since Jun 3, 2026 across 206 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$495 annual fee
26.99%-34.99% variable
Spend requirement: $4,000 in 90 days, plus $300 Bilt Cash and Gold Status
Bilt Rewards terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $495 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
Other cards to compare first
citi
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
wells-fargo
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
chase
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
affinity-fcu
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
Questions
Common questions
What is the annual fee for the Palladium?
The Palladium has a $495 annual fee, according to Bilt Rewards's page checked Nov 14, 2026.
Which transfer partners does the Palladium have?
Bilt Points can move to 2 partners we have verified: United MileagePlus miles (1 to 1), World of Hyatt points (1 to 1). The numbers show how many points you give for each point you get.
Does the Palladium charge foreign transaction fees?
No. Bilt Rewards lists no foreign transaction fee for the Palladium.
How do I earn rewards with the Palladium?
5x miles on bilt dining; 5x miles on bilt partner restaurants; 4x miles on lyft; 4x miles on hotels through bilt travel (issuer portal only); 3x miles on flights through bilt travel (issuer portal only).
Sources
Where these figures come from
Fees and APR, Earning rates, Benefits and protections
https://www.bilt.com/card/palladium · checked Nov 14, 2026
Transfer partners
https://www.bilt.com/rewards/partner · checked Jul 3, 2026
We could not verify the balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Palladium worth it?
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term