Bilt Palladium
$95 per authorized user per year
Credits 2
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $400 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every 6 months
Up to $200 Jan 1-Jun 30 and $200 Jul 1-Dec 31 on Bilt Travel hotel bookings of at least 2 nights; opt in to the credit in the booking flow. Each half-year credit is lost if unused, with no rollover. Bilt can take the credit back if the booking is canceled or changed, or if the account closes within 90 days.
How to activate: When booking a 2+ night hotel on Bilt Travel in the Bilt app or website, opt in to the credit at checkout.
Condition: Hotel booking of 2+ nights through the Bilt Travel Portal/app paid with the card
Every year
$200 Bilt Cash deposited at account opening and each Jan 1 (account in good standing); redeem for Bilt partner credits (Lyft, dining, Walgreens, etc., subject to monthly caps) or to unlock housing points. Bilt Cash expires Dec 31 with up to $100 rolling over; valued at face.
Perks 2
Benefits you use rather than credits that post to your statement.
Priority Pass for the cardholder plus 2 guests per visit at 1,300+ lounges, activated through Bilt. Each authorized user ($95 a year) gets their own membership.
Gold status comes with the welcome offer after $4,000 of non-housing spend in 90 days. It lasts for the rest of the year you earn it, all of the next calendar year, and until January 15 of the year after (earned in 2026 = good through Jan 15, 2028). It adds bigger Rent Day transfer bonuses, a travel concierge and partner perks, but the card does not renew it.
Also included
- No foreign transaction fees; no fee on rent/mortgage payments through Bilt
- Trip cancellation/interruption, trip delay and baggage delay insurance
- Lost or damaged luggage insurance; price drop protection
- Cell phone protection; extended warranty; purchase assurance
- MasterRental coverage
Before you apply
Cardless’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Cardless, which issues Bilt, Qatar, Avianca and other co-brand cards, wants 60 days between approvals. Applying within 60 days gets declined.
Never miss one of these credits
Add the Bilt Palladium to Premium IC, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.