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Bilt Palladium Card

Column N.A.

Intro Offer

50,000 bonus points + Bilt Gold status (after $4,000 spend in 90 days), plus $300 in Bilt Cash on account opening

Annual Fee

$495

Recommended Credit

670–850

Good - Excellent
Bilt Palladium card image

Rewards & Earn Rates

2X

Travel

2X

Dining

2X

Grocery

2X

Gas

2X

Other

Not Included

TSA Pre✓

2x points on everyday spend (excluding rent and mortgage), plus 4% back in Bilt Cash on everyday purchases | Unlimited 1x points on rent and mortgage payments, with no transaction fee when paid through Bilt

Why We Choose It

The premium Bilt Palladium Card is built for high spenders who want a flat 2x on everything plus the Bilt housing rewards. Its $600 in annual credits ($400 toward Bilt Travel hotels and $200 in Bilt Cash) plus Priority Pass go a long way toward offsetting the $495 fee, and the 50,000-point-plus-Gold-status welcome offer is the richest in the lineup. Best for renters who also put heavy everyday spend on a card and will use the travel credits.

More About the Bilt Palladium Card

The $495 premium tier of the Bilt 2.0 lineup that launched February 2026, issued by Column N.A., Member FDIC. Earns a flat 2x points on everyday spend plus the shared rent and mortgage rewards, and carries $600 in annual credits, Priority Pass, and World Legend Mastercard benefits.

Pros & Cons

Pros

  • Flat 2x points on all everyday spend (plus 4% Bilt Cash) on top of rewards for rent and mortgage paid through Bilt.
  • $600 in annual credits ($400 Bilt Travel hotel + $200 Bilt Cash) plus Priority Pass membership with up to two guests — together these can offset most of the $495 fee.
  • Richest welcome offer in the lineup: 50,000 bonus points + Bilt Gold status after $4,000 in 90 days, plus $300 in Bilt Cash.

Cons

  • $495 annual fee is steep, and a chunk of the offsetting value is in Bilt Cash and Bilt Travel hotel credits that must be used within the Bilt ecosystem.
  • Everyday spend earns 2x points plus 4% Bilt Cash rather than transferable points on the full amount — Bilt Cash is less flexible for non-housing redemptions.
  • The Points Party cannot yet earn affiliate commission on Bilt 2.0 signups — the affiliate program does not yet cover the Column-issued cards.

Some links on this page are affiliate links. We may earn a commission if you apply through our links, at no extra cost to you.

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