Bilt Palladium
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The offer has not changed since the card launched in Jan 2026. Rent and mortgage don't count toward the spend.
- Welcome offer
- 50K points + $300 Bilt Cash after $4K spend in 3 mo
- Best on record
- 50K points + $300 Bilt Cash after $4K spend in 3 mo (2026-01 to 2026-10)
- Annual fee
- $495
- Rewards rate
- 2x Points on everyday spend
- Regular APR
- 26.74%–34.74% Variable (10% intro APR for 12 billing cycles)
- Recommended credit score
- Good to excellent
- Airport lounges
- Priority Pass Select. Unlimited. 2 free per visit; authorized users get their own membership. Guest pricing: Extra guests at Priority Pass's rate.
- Points go to
- Bilt Rewards. Points transfer 1:1 to 18 airlines, almost instantly (Southwest can take up to 72 hours).
Airline transfer partners
- Aer Lingus AerClub 1:1
- Air Canada Aeroplan 1:1
- Air France-KLM Flying Blue 1:1
- Atmos Rewards (Alaska & Hawaiian) 1:1
- Avianca LifeMiles 1:1
- British Airways Club 1:1
- Cathay Pacific 1:1
- Emirates Skywards 1:1
- Etihad Guest 1:1
- Iberia Club 1:1
- Japan Airlines Mileage Bank 1:1
- Qatar Airways Privilege Club 1:1
- Southwest Rapid Rewards 1:1
- TAP Miles&Go 1:1
- Turkish Miles&Smiles 1:1
- United MileagePlus 1:1
- Virgin Atlantic Flying Club 1:1
- Virgin Red 1:1
Our opinion, not financial advice. Offers shown are public offers as of the last check; the offer you see when you apply may differ and approval isn't guaranteed. Confirm terms on the issuer's application page. Card and brand names are trademarks of their owners; this site is independent and not affiliated with any bank or airline. Links go to other sites we don't control; a link isn't an endorsement. Full disclosures.