Cardless · Personal card
Bilt Palladium Card
The Bilt Palladium Card has a $495 annual fee and up to $600 a year in statement credits, across two credits. None of them need enrollment.
- Annual fee
- $495
- Charged on your account anniversary
- Credits a year
- Up to $600
- 2 statement credits, used in full
- Need enrollment
- None
- Every benefit applies on its own
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Bilt Travel hotel credit$200 every six months. Twice a year, in January and July | $200 every six months | Twice a year, in January and July | $400 |
| Bilt Cash$200 a year. On January 1 | $200 a year | On January 1 | $200 |
| Total a year, if you use every credit | $600 |
What people get wrong
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Bilt Palladium
What is the annual fee on the Bilt Palladium Card?
$495 a year, charged each year on your account anniversary.
How much are the Bilt Palladium credits worth?
Up to $600 a year if you use all two statement credits in full. The largest: Bilt Travel hotel credit ($400) and Bilt Cash ($200).
Which Bilt Palladium benefits need enrollment?
None. Every Bilt Palladium benefit applies without enrolling.
When do the Bilt Palladium credits reset?
Twice-yearly credits reset on January 1 and July 1, and yearly credits on January 1. Unused credit does not roll over.
Is the Bilt Palladium worth the $495 fee?
On credits alone, only if you use at least 83% of them. They add up to $600 a year against the $495 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Bilt Palladium earn?
Bilt Rewards points, worth about 1.88 cents each in a typical redemption.
