Cardless · Personal
Bilt Palladium Card
$495 a year, charged on your account anniversary
One of the two Bilt Palladium credit needs a one-time enrollment before any spending counts, and Cardless will not apply them retroactively.
Credits, and when they reset
Every six months
- $200 $200 Bilt Travel hotel credit resets twice a year, in January and July
Every year
- $200 $200 Bilt Cash resets on your account anniversary, not January 1
Once
- $0 Priority Pass one-time, with no resetNeeds enrollment
What counts, and what doesn't
- One credit needs a one-time enrollment. Spend before you enroll and nothing posts, because Cardless will not apply it retroactively.
- At least one credit resets on your account anniversary rather than January 1. Most people assume the calendar year.
- Credits do not roll over. Whatever is unused when the period ends is gone.
Is it worth the fee?
$600
Up to $600 a year in credits against a $495 fee. On paper the credits more than cover it. Whether it's worth it depends on which ones you'd actually use.