Points, Miles & Credit Cards

Review: Bilt Palladium Card

June 3, 2026

3 min read

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Who is the Bilt Palladium Card for?

The Bilt Palladium Card is best for people who want a card that earns flat-rate 2x points on everyday spending, plus earns on rent or mortgage payments.

Annual fee: annual_fees

Foreign transaction fee: foreign_transaction_fee

Earning rate:

Earn up to 1X points on rent and mortgage payments
2X points + 4% back in Bilt Cash on everyday purchases

Welcome offer: bonus_miles_full

Pros and cons

Pros:

With its 2x points on everyday spending, the Bilt Palladium Card is an appealing option for purchases that don't fit neatly into bonus categories.
The Bilt Travel Hotel credit ($200 semiannually) is more valuable than the Bilt Obsidian Card's credit.
The Bilt Palladium card comes with Priority Pass lounge access.

Cons:

The Bilt 2.0 rewards ecosystem is confusing.
A card like the Capital One Venture X also offers a 2x earning structure, plus a more flexible $300 annual travel credit for bookings made through Capital One Travel.

Our take

As the only card in the Bilt 2.0 lineup offering 2x points on everyday spending, the Bilt Palladium Card wants to be at the top of your wallet. If you're a Bilt fan who wants to earn every Bilt point possible, it might be the right fit.

Last updated June 3, 2026