Travel
CardlessBilt Palladium Card
Paying Rent
Welcome bonus
$300 in Bilt Cash upon approval + 50,000 Bilt Points and Gold status after $4,000 in non-housing purchases in 90 days
Rewards
Everyday
General
2xBonus categories
Each applies only to the spend described, not to the whole category.
Dining & Food DeliveryAt Bilt Dining partner restaurants
up to 5xTravelHotels through Bilt Travel
4xGas & TransitOn Lyft rides
4xTravelFlights through Bilt Travel
3xHousing
Rent, mortgage and HOA through Bilt
up to 1.25xThe rate scales with how much non-housing spend you put on the card:
- 100% or more of your rent in everyday spend
- 1.25x
- 75-99% of your rent in everyday spend
- 1x
- 50-74% of your rent in everyday spend
- 0.75x
- 25-49% of your rent in everyday spend
- 0.5x
- Under 25% — a flat 250 points
- 250 pts
Bilt Cash
A separate balance from Bilt Points. Bilt Cash spends dollar-for-dollar inside the Bilt ecosystem — it can't be taken as a statement credit or cashed out, so it isn't cash back.
- $200 annual Bilt Cash deposited automatically at account opening, then each January 1st
- $300 in Bilt Cash upon approval + 50,000 Bilt Points and Gold status after $4,000 in non-housing purchases in 90 days
Not counted in your profile's estimated rewards, which totals only spendable value.
Benefits
- $400 annual Bilt Travel Hotel credit distributed as $200 semi-annually for 2-night minimum stays
- Priority Pass membership providing access to 1,300+ airport lounges worldwide
- Rental car coverage, trip cancellation and interruption protection, trip delay reimbursement, purchase assurance, cellular wireless telephone protection
- No credit card transaction fee on rent, mortgage, and HOA payments made through Bilt
Pros
- No transaction fee on rent, mortgage, and HOA payments
- Uncapped rewards on housing payments
- High rewards on travel, dining, and Lyft
- Priority Pass lounge access
- Annual Bilt Cash and hotel credits
- Authorized users receive Priority Pass access
Cons
- High annual fee
- Bilt Cash expires December 31st each year
- Hotel credits require 2-night minimum stay
- Requires $4,000 spend for welcome bonus