Bilt Palladium Card
Column N.A.
Intro Offer
50,000 bonus points + Bilt Gold status (after $4,000 spend in 90 days), plus $300 in Bilt Cash on account opening
Annual Fee
$495
Recommended Credit
670–850
Good - Excellent
Rewards & Earn Rates
2X
Travel
2X
Dining
2X
Grocery
2X
Gas
2X
Other
Not Included
TSA Pre✓
2x points on everyday spend (excluding rent and mortgage), plus 4% back in Bilt Cash on everyday purchases | Unlimited 1x points on rent and mortgage payments, with no transaction fee when paid through Bilt
Why We Choose It
The premium Bilt Palladium Card is built for high spenders who want a flat 2x on everything plus the Bilt housing rewards. Its $600 in annual credits ($400 toward Bilt Travel hotels and $200 in Bilt Cash) plus Priority Pass go a long way toward offsetting the $495 fee, and the 50,000-point-plus-Gold-status welcome offer is the richest in the lineup. Best for renters who also put heavy everyday spend on a card and will use the travel credits.
More About the Bilt Palladium Card
The $495 premium tier of the Bilt 2.0 lineup that launched February 2026, issued by Column N.A., Member FDIC. Earns a flat 2x points on everyday spend plus the shared rent and mortgage rewards, and carries $600 in annual credits, Priority Pass, and World Legend Mastercard benefits.
Pros & Cons
Pros
- Flat 2x points on all everyday spend (plus 4% Bilt Cash) on top of rewards for rent and mortgage paid through Bilt.
- $600 in annual credits ($400 Bilt Travel hotel + $200 Bilt Cash) plus Priority Pass membership with up to two guests — together these can offset most of the $495 fee.
- Richest welcome offer in the lineup: 50,000 bonus points + Bilt Gold status after $4,000 in 90 days, plus $300 in Bilt Cash.
Cons
- $495 annual fee is steep, and a chunk of the offsetting value is in Bilt Cash and Bilt Travel hotel credits that must be used within the Bilt ecosystem.
- Everyday spend earns 2x points plus 4% Bilt Cash rather than transferable points on the full amount — Bilt Cash is less flexible for non-housing redemptions.
- The Points Party cannot yet earn affiliate commission on Bilt 2.0 signups — the affiliate program does not yet cover the Column-issued cards.
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