Cardless · Mastercard World Elite · Personal
Bilt Palladium
A $495-a-year card earning Bilt Points: 2× on All Other, 1× on Rent/Mortgage.
- Annual fee
- $495Charged every year
- Signup bonus
- 50,000 ≈ $958 in travel (our estimate)*
- Top rate
- 2×All Other
- Point value
- 1.92¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus 50,000 points | $958 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$495 | −$495 |
| NetYear one includes the bonus · at your inputs · our estimates* | $463 | −$495 |
Bonus terms: $300 of Bilt Cash when you apply and get approved. PLUS, earn 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months.
Earning structure
2 categories, 2 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
| All Other | 2× | $3.83 | |
| Rent/Mortgage | 1× | $1.92 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $495
- Card type
- Personal
- Network
- Mastercard World Elite
- Bank
- Cardless
- Point system
- Bilt Points
- Travel value (our estimate)*
- 1.92¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules1
- 1 Bilt
You can only hold one Bilt card per account.
Transfer partners22
- Aeroplan 1:1
- ALL Rewards 3:2
- Asia Miles 1:1
- Atmos Rewards 1:1
- Avios 1:1
- Emirates Skywards 1:1
- Etihad Guest Miles 1:1
- Flying Blue 1:1
- Flying Club 1:1
- Free Spirit 1:1
- Hilton Honors 1:1
- I Prefer 1:2
- IHG Rewards 1:1
- JAL Mileage Bank 1:1
- LifeMiles 1:1
- Marriott Bonvoy 1:1
- Miles & Smiles 1:1
- Rapid Rewards 1:1
- TAP Miles&Go 1:1
- United MileagePlus 1:1
- World of Hyatt 1:1
- Wyndham Rewards 1:1
Ratio is Bilt Points points to partner miles or points.
Benefits10 · 3 high value
- Airport Express Credits High valuePriority Pass Select Membership
- Anniversary Bonuses High value$200 Bilt Cash Credit
- Credits & Discounts High value$400 Hotel Credit
- Car Rental Insurance Secondary Rental Car Insurance
- Cell Phone Protections Cell Phone Insurance
- Earn Perks & Status Earn Rent/Mortgage Fees Waiver
- Travel Protections Baggage Delay Insurance + 3 more travel protections benefits
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Bilt Palladium |  Bilt Blue |  Bilt Obsidian |  Alaska Airlines Atmos Rewards Summit | |
|---|---|---|---|---|
| Annual fee | $495 | $0−$495 | $95−$400 | $395−$100 |
| Signup bonus | 50,000 pts | $100 | $200 | 80,000 pts |
| Top rate | 2×All Other | 1×All Other, Rent/Mortgage | 3×Monthly Categories | 3×3 categories |
| Travel value * | 1.92¢Bilt Points | 1.92¢Bilt Points | 1.92¢Bilt Points | 1.55¢Atmos Rewards |
| Why it’s here | This card | Same issuer and the same Bilt Points, with no annual fee | Same issuer and the same Bilt Points | An annual fee within $100, with transferable points |
Bilt Blue
$0 fee (−$495) · 1× top$100 bonusSame issuer and the same Bilt Points, with no annual fee
Bilt Obsidian
$95 fee (−$400) · 3× top$200 bonusSame issuer and the same Bilt Points
Alaska Airlines Atmos Rewards Summit
$395 fee (−$100) · 3× top80,000 pts bonusAn annual fee within $100, with transferable points
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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