Bilt
Palladium
What it is
The Palladium is a Bilt card earning points. Its ongoing value can outweigh the annual fee, making it a potential keeper past year one. Bilt's $495 flagship — annual travel credits and Priority Pass lounge access for renters who'll use them. A keeper only if you lean on the travel credits and lounges; Bilt Cash is Bilt's own currency and expires yearly. One Bilt card per person.
Offer history
Not enough offer history yet.
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC ATH | 50,000+ $300 credit$4k · 90d | $1,075 | $1,102 | 27% | Feb ’26 |
What you get
- Priority Pass$429per year
Complimentary Priority Pass membership with unlimited airport-lounge visits, plus up to two guests.
- Bilt hotel credit$400per year
Up to $400 a year in statement credits toward hotels booked through Bilt Travel (two $200 credits, one per half of the year; two-night minimum stay).
- Bilt Cash deposit$200per year
$200 in Bilt Cash deposited at the start of each year, usable toward rent points or Bilt partner spend.
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| Welcome bonus | +$1,075 |
50,000 Bilt × $775 Statement credit$300 | |
| Ongoing benefits (yr 1) | +$522 |
Priority Pass($429 × ) Priority Pass $429 × $202 Bilt hotel credit($400 × ) Bilt hotel credit $400 × $200 Bilt Cash deposit($200 × ) Bilt Cash deposit $200 × $120 | |
| Annual fee | −$495 |
| Year 1 | $1,102 |
| Return on $4k MSR | 27% |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Palladium scores 41 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →