Bilt
Bilt Palladium
Transfers to airlines & hotels
Annual fee
$495/yr
Welcome bonus
50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days
Min spend
$4,000 in 90 days
Recommended credit
Excellent (720+)
Rates and offer last verified June 18, 2026.
Earning rates
2x points on all everyday purchases
Earn Bilt Points on rent and mortgage, no transaction fee
Transfer points to 15+ airline and hotel partners at premium rates
Features & benefits
$400 annual hotel credit + $200 annual Bilt Cash
Dedicated Bilt concierge service
No foreign transaction fees
Trip cancellation/interruption insurance
Primary rental car coverage
Purchase protection and extended warranty
Lounge access
Priority Pass: 1,400+ airport lounges worldwide, lounges only (no restaurants); up to 2 guests free, then $35 each
Statement credits
$400 annual hotel credit
$200 annual Bilt Cash
How does it rank for your spending?
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