The Bilt Palladium Card is offering 50,000 Bilt bonus points and $300 Bilt Cash for new cardholders – the best everyday cards that earn points on housing with no transaction fee
Update 09/28/26: You can currently 50k Bilt points + $300 Bilt Cash after approval with the Bilt Palladium Card
Bilt Palladium Card
Bonus Offer: Get $300 of Bilt Cash when you apply and get approved, plus earn 50,000 Bilt Points and Gold Status when you spend $4,000 on purchases outside of rent and mortgage in your first 3 months.
Everyday rewards: Earn 2X points on everyday spend.
Bilt-exclusive bonus rewards. Unlock Bilt-exclusive bonus rewards on top of your everyday points.
- Flexible Bilt Cash (4% back in Bilt Cash on everyday spend) or Housing-only up to 1.25X points on rent and mortgage
Annual Fee – $495
Featured Benefits – Get over $1,000 in annual value
- Cardholder exclusive — No transaction fees on housing payments
- $400 Bilt Travel Hotel credit
- Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings
- $200 of Bilt Cash1
- Awarded annually. Up to $100 of Bilt Cash rolls over into the next calendar year.
- Stack rewards with Neighborhood Benefits
- Priority Pass (worth $469/year)
Learn More about the Bilt Palladium Card
Bilt Transfer Partners
Bilt Points transfer at a 1:1 ratio to the following airline programs:
- Aer Lingus (EI) Avios
- Alaska Airlines (AS) Atmos Rewards
- Air Canada’s (AC) Aeroplan
- Air France (AF)/KLM FlyingBlue
- Avianca (AV) LifeMiles
- British Airways (BA) Avios
- Cathay Pacific (CX) Asia Miles
- Emirates (EK) Skywards
- Etihad (EY)
- Iberia (IB) Avios
- Japan Airlines (JL) JAL Mileage Bank
- Qatar Airways (QR) Privilege Club
- Southwest Airlines (WN) Rapid Rewards
- Spirit (NK) Free Spirit
- TAP (TP) Miles&Go
- Turkish (TK) Miles & Smiles
- United Airlines (UA) MileagePlus
- Virgin Atlantic (VS) Flying Club
- Virgin Red
Bilt Points can also be transferred to the following hotel programs:
- Accor Live Limitless (3:2 ratio)
- Hilton Honors
- IHG One Rewards
- I Prefer (1:2 ratio)
- Marriott Bonvoy
- World of Hyatt
- Wyndham Rewards
Rail:
- Amtrak (2:1 ratio)
Bilt Blue Card
Bonus Offer: Get $100 of Bilt Cash when you apply and get approved.
Everyday rewards: Earn 1X points on everyday spend.
Bilt-exclusive bonus rewards. Unlock Bilt-exclusive bonus rewards on top of your everyday points.
- Flexible Bilt Cash (4% back in Bilt Cash on everyday spend) or Housing-only up to 1.25X points on rent and mortgage
Featured Benefits
- Cardholder exclusive — No transaction fees on housing payments
- No foreign transaction fees
- Cellular Wireless Telephone Protection
- Stack rewards with Neighborhood Benefits
Learn More about the Bilt Blue Card
Bilt Obsidian Card
Bonus Offer: Get $200 of Bilt Cash when you apply and get approved.
Everyday rewards:
- 3X points on Dining or grocery (your choice); Grocery up to $25K/year
- 2X points on Travel
- 1X points on everyday spend
Bilt-exclusive bonus rewards. Unlock Bilt-exclusive bonus rewards on top of your everyday points.
- Flexible Bilt Cash (4% back in Bilt Cash on everyday spend) or Housing-only up to 1.25X points on rent and mortgage
Featured Benefits – Get $100 in annual value
- Cardholder exclusive — No transaction fees on housing payments
- $100 Bilt Travel Hotel credit
- Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings
- Trip Delay Insurance
- Stack rewards with Neighborhood Benefits
Learn More about the Bilt Obsidian Card
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Bottom Line
The Bilt Card offers a lot of perks and benefits that you do not want to miss out on. If you qualify, consider signing up for this card today!
Feel free to leave your comments below, we would love to hear your feedback.
If you don’t think this card suits your needs, make sure to also visit HMB to explore more credit card bonuses and keep up with the latest bank bonuses.
Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.
