Bilt Palladium Card review

Bilt Palladium Card is the travel-focused member of Bilt's three-card lineup and the only one that earns meaningful rewards on rent and mortgage payments without a transaction fee. Housing payments earn up to 1.25x, but the rate depends on how much everyday spending you put on the card in the same billing cycle: you need everyday spend equal to 100% of the housing payment for the full 1.25x and at least 25% for 0.5x. Everyday purchases earn 2x, Bilt Travel hotels 4x and flights 3x. Bilt says its program has 25 transfer partners, the highest count published by any issuer on this list. For $495 a year the card adds Priority Pass, a $400 Bilt Travel hotel credit paid as two $200 statement credits, $200 in annual Bilt Cash and travel protections including baggage delay insurance. The setup is more involved than other cards because rewards tie into the Bilt app, Bilt Cash and housing payments.

Who it is for

Renters and homeowners who travel

Price

$495 annual fee.

The Bilt Palladium Card ($495/year†) earns up to 5X on Bilt dining
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Up to 1.25x points on rent and mortgage payments with no transaction fee
• 2x points on all everyday purchases
• 4x on hotels and 3x on flights booked through Bilt Travel
• $400 annual Bilt Travel hotel credit and $200 in annual Bilt Cash
• Priority Pass lounge access at 1,300+ airports

Strengths and weaknesses

• Strength: 25 transfer partners, the highest published count on this list
• Strength: No transaction fee on rent, mortgage and HOA payments
• Strength: Trip delay, trip cancellation, lost luggage and baggage delay coverage
• Weakness: Housing earn depends on everyday spend reaching at least 25% of your housing payment
• Weakness: The hotel credit is paid as two $200 statement credits for Bilt Travel bookings only
• Weakness: Bilt Cash expires 12 months after you earn it

Key facts

• Annual fee: $495
• Housing earn: Up to 1.25x
• Transfer partners: 25
• Lounges: Priority Pass

Where it ranks

Bilt Palladium Card is No. 10 in our Best Travel Credit Cards verdict.