Bilt Palladium Card
Issued by Cardless
$1069/year in trackable credits — never leave money on the table
Earning Categories
Current Welcome Bonus
50,000 Bilt Points as a sign-up bonus and Gold Status After you spend $4,000 on purchases (excluding rent or mortgage) in your first 3 months. $300 of Bilt Cash as a sign-up bonus
Year 1 net value: +$508 (bonus − annual fee)
Statement Credits
Awarded annually. Up to $100 of Bilt Cash rolls over into the next calendar year
Card Perks
Unlimited Priority Pass Select lounge access for cardholder + guests
Complimentary Marriott Bonvoy Gold Elite status
Complimentary IHG One Rewards Platinum Elite status
Complimentary Hertz President's Circle status
6x points on rent and dining on the first of each month (Rent Day)
Maximize Your Bilt Rewards Points
Program Overview
Bilt Rewards is unique as the only program that lets you earn points on rent payments with no fees. Points transfer 1:1 to major airline and hotel partners, making it a strong transferable currency. Key strengths: - Earn points on rent with no transaction fees (up to 100,000 pts/yr on the Bilt Mastercard) - 1:1 transfers to Hyatt, AA, United, Turkish, Air Canada, and more - Bilt dining and neighborhood rewards earn bonus points - Points toward a future home down payment (unique feature) - Bilt Rent Day (1st of every month): Double points on non-rent transactions - Alliance with Hyatt for direct status matching pathway
Earning Tips
Earning strategy: Bilt Mastercard: - 1x on rent (up to 100,000 pts/yr, no fees) - 3x on dining - 2x on travel - 1x on everything else - Must make 5 transactions/month to earn points (easy with small purchases) Bilt Rent Day (1st of each month): - Double points on all non-rent transactions - Stack all non-rent spending on Rent Day for 2x-6x earning - Dining becomes 6x, travel 4x, everything else 2x Key tips: - Even if your landlord isn't in the Bilt network, you can still pay rent via Bilt - The 5-transaction minimum is easy; buy 5 small items on the 1st - Concentrate large purchases on Rent Day for double earning - Bilt neighborhood rewards: Extra points at local restaurants in your area - Home down payment: Can use up to 100,000 pts toward a future home purchase at 1.5 cpp
Redemption Tips
Best redemption values: Hyatt (consistently best value): - Category 1-4 hotels at 5,000-15,000 pts/night - All-inclusive Hyatt Ziva/Zilara: 25,000 pts for $500+ rooms - Park Hyatt luxury stays at 25,000-40,000 pts/night Turkish Miles & Smiles: - 7,500 miles domestic one-way - Stack rent earning + Turkish transfer for essentially free domestic flights American Airlines: - Web specials starting at 5,000-7,500 miles one-way domestic - Oneworld partner awards for international business class Alaska Mileage Plan: - Partner chart has unique sweet spots - 70,000 miles for Cathay Pacific business class to Asia one-way Home down payment: - 100,000 pts max at 1.5 cpp = $1,500 toward a home - Unique option, but transfer to travel partners usually yields more value Avoid: - Amazon or gift card redemptions - Using points for home purchase if you can get better value from travel transfers
Transfer Strategy
Transfer partners (all 1:1): Airlines: - American Airlines AAdvantage: Oneworld sweet spots - United MileagePlus: Star Alliance options - Turkish Miles & Smiles: Best domestic award chart - Air Canada Aeroplan: Star Alliance with stopovers - Air France/KLM Flying Blue: Promo awards to Europe - Alaska Mileage Plan: Excellent partner award chart - Emirates Skywards: Premium Emirates cabins - Cathay Pacific Asia Miles: Asia-Pacific premium routes Hotels: - World of Hyatt: Best hotel transfer value, consistently 2+ cpp - IHG One Rewards: Good for high-category IHG properties Strategy tips: - Hyatt is the standout hotel partner (same as Chase UR) - Turkish at 1:1 is excellent for cheap domestic awards - American Airlines for oneworld flights is solid - Alaska Mileage Plan has a uniquely flexible partner chart - Don't transfer to Emirates unless booking Emirates metal
Bilt Rewards Program
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See how the Bilt Palladium Card stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Related guide: Bilt Mastercard Review: Palladium, Obsidian & Blue Compared
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