Who it's for
Rewards on rentPremium travelAirport loungesTravel credits & perksLounge access
Bilt Palladium Card
Bilt 2.0 premium tier ($495 fee). The 2x flat earning rate on everyday spend (excluding rent) plus Priority Pass is the trade-off vs. CSR/Amex Plat. Best for renters who want premium perks without paying for Centurion Lounges.
$1,844/yrest. value at typical spending
$495annual fee
$600yearly credits
−$105fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 2x | $600/mo |
| Flights & hotels | 2x | $300/mo |
| Rent | 2x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 2x | $80/mo |
| Online shopping | 2x | $200/mo |
| Everything else | 2x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 14 transfer partners · Airport lounge access
- 2x Bilt Points on every non-rent/mortgage purchase (flat)
- Earn up to 1.25x on rent/mortgage via Bilt Cash redemption (Bilt 2.0)
- $400 Bilt Travel Hotel credit ($200 semi-annually via Bilt Travel portal)
- $200 annual Bilt Cash benefit
- 50,000 Bilt Points welcome bonus + Gold status after $4,000 in non-rent spending in 90 days
- Priority Pass airport lounge access
- Bilt Gold status: room upgrades, late checkout, breakfast credits at participating properties
- Authorized users included (additional fee per user)
- Must make 5+ transactions per statement period to earn any points
- No foreign transaction fees
- Purchase protection, trip insurance, cellular protection
- Access to all 14 Bilt transfer partners (United, Aeroplan, Hyatt, Hawaiian, AA, etc.)
Transfer partners
United MileagePlusAir Canada AeroplanAir France-KLM Flying BlueSingapore KrisFlyerTurkish Miles&SmilesCathay Pacific AsiaMilesAvianca LifeMilesBritish Airways AviosAlaska Mileage PlanHawaiian MilesAmerican AAdvantageWorld of HyattMarriott BonvoyIHG One Rewards
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- Amex Platinum$895 annual fee$2,674est. value/yr
- Chase Sapphire Reserve$795 annual fee$2,521est. value/yr
- U.S. Bank Altitude Reserve$400 annual fee$677est. value/yr
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