Bilt Palladium
- Annual fee
- $495
- Earns
- Bilt points
- Point value
- 2.2 CPP
- Credits a year
- Up to $600
Welcome offer
Earn 50,000 Bilt points after you spend $4,000 in 3 months
≈ $1,100 at 2.2 CPP
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Bilt Travel | 4x | 8.8% |
| Travel | 2x | 4.4% |
| Dining | 2x | 4.4% |
| Groceries | 2x | 4.4% |
| Gas | 2x | 4.4% |
| Everything else | 2x | 4.4% |
Return is what each $1 of spend is worth with points valued at 2.2 CPP.
Credits and benefits
- Bilt Travel Hotel Credit (Palladium)$200 every 6 months
- Annual Bilt Cash (Palladium)$200 a calendar year
Up to $600 a year if you use every credit. Track them in the benefits tracker
Lounge access
Unlimited Priority Pass membership for the cardholder plus two guests free at 1,300+ lounges. Authorized users ($95 a year each) also get Priority Pass.
Guests
- Priority Pass Select: 2 free guests
Transfer partners for Bilt points
| Partner | Ratio | Transfer time |
|---|---|---|
| Accor Live Limitless | 3:2 | Almost Instant |
| Aer Lingus | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| Alaska Airlines | 1:1 | Almost Instant |
| Amtrak Guest Rewards | 2:1 | 7 days |
| Avianca Airlines | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Cathay Pacific | 1:1 | Almost Instant |
| Emirates | 1:1 | Almost Instant |
| Etihad | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Hilton Honors | 1:1 | Almost Instant |
| Hyatt | 1:1 | Almost Instant |
| Iberia | 1:1 | Almost Instant |
| IHG | 1:1 | Almost Instant |
| Japan Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | Almost Instant |
| Preferred Hotels and Resorts | 1:2 | Almost Instant |
| Qatar Airways | 1:1 | Almost Instant |
| Southwest Airlines | 1:1 | Almost Instant |
| TAP Air Portugal | 1:1 | Almost Instant |
| Turkish Airlines | 1:1 | Almost Instant |
| United Airlines | 1:1 | Almost Instant |
| Virgin Atlantic | 1:1 | Almost Instant |
| Virgin Red | 1:1 | Almost Instant |
| Wyndham Rewards | 1:1 | Almost Instant |
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Once-per-lifetime bonus
Bilt usually gives this card's welcome bonus only once per person.
One welcome bonus
Bilt gives one welcome bonus per person across the Blue, Obsidian and Palladium cards. The old Wells Fargo Bilt Mastercard doesn't count against it.
One card limit
You can hold only one Bilt card at a time. To switch between Blue, Obsidian and Palladium, change your card in the Bilt app instead of applying.
Product changes
- Downgrade to Bilt Obsidian · Bilt allows one card change every 12 months. If you downgrade within 30 days after an annual fee posts, Bilt swaps your welcome bonus for the lower card's, which can leave a negative balance.
- Downgrade to Bilt Blue · Bilt allows one card change every 12 months. If you downgrade within 30 days after an annual fee posts, Bilt swaps your welcome bonus for the lower card's, which can leave a negative balance.
About the Bilt Palladium
The Bilt Palladium is a personal Mastercard card from Bilt with a $495 annual fee that earns Bilt points. It earns 4x on travel booked through Bilt Travel and 2x on everything else. The current welcome offer: earn 50,000 Bilt points after you spend $4,000 in 3 months. It comes with 2 statement credits worth up to $600 a year if you use them all. Cardholders get access to Priority Pass Select. Points transfer to 26 airline and hotel partners, including Accor Live Limitless, Aer Lingus and Air Canada Aeroplan. AwardHack values Bilt points at 2.2 CPP.
Frequently asked questions
What is the Bilt Palladium annual fee?
The Bilt Palladium has a $495 annual fee. Its statement credits add up to $600 a year if you use all of them.
What is the Bilt Palladium welcome bonus?
Earn 50,000 Bilt points after you spend $4,000 in 3 months. AwardHack values that at about $1,100.
Does the Bilt Palladium include airport lounge access?
Yes: Priority Pass Select. Unlimited Priority Pass membership for the cardholder plus two guests free at 1,300+ lounges. Authorized users ($95 a year each) also get Priority Pass.
Does the Bilt Palladium count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Where can I transfer Bilt points?
To 26 partners: Accor Live Limitless (3:2), Aer Lingus (1:1), Air Canada Aeroplan (1:1), Alaska Airlines (1:1), Amtrak Guest Rewards (2:1), Avianca Airlines (1:1), British Airways (1:1), Cathay Pacific (1:1), Emirates (1:1), Etihad (1:1), Flying Blue AIR FRANCE KLM (1:1), Hilton Honors (1:1), Hyatt (1:1), Iberia (1:1), IHG (1:1), Japan Airlines (1:1), Marriott Bonvoy (1:1), Preferred Hotels and Resorts (1:2), Qatar Airways (1:1), Southwest Airlines (1:1), TAP Air Portugal (1:1), Turkish Airlines (1:1), United Airlines (1:1), Virgin Atlantic (1:1), Virgin Red (1:1) and Wyndham Rewards (1:1).
Similar cards
Offers, fees and benefits change often. Check the issuer's site before you apply.