Bilt Palladium Card
Best for: Renters and homeowners with high housing costs who want premium perks
Pros
- Rewards on housing payments
- Flat 2x on everything
- Transferable Bilt points
Cons
- $495 fee
- Bilt Cash system is complex
- New issuer with limited track record
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (January 14, 2026). Part of Bilt Card 2.0, which replaced the Wells Fargo-issued Bilt Mastercard with three cards issued by Column N.A. and serviced by Cardless. The old card stopped earning Bilt rewards after Feb 7, 2026.
Bilt Palladium Card at a glance
| Issuer | Column N.A. (serviced by Cardless) for Bilt |
| Card network | Mastercard |
| Annual fee | $495 |
| Rewards rate | 2x points on everyday spend plus 4% back in Bilt Cash; points on rent and mortgage with no transaction fee |
| Welcome bonus | 50,000 points plus Bilt Gold status (reported at launch) |
| Intro APR | 10.00% intro APR on new purchases for first 12 months |
| Regular APR | See issuer |
| Foreign transaction fee | None |
| Credit needed | Good to Excellent (typical for tier; not issuer-stated) |
| Best for | Renters and homeowners with high housing costs who want premium perks |
Key features
- $600 annual value ($400 hotel travel credit + $200 Bilt Cash)
- Priority Pass lounge access
- Earn on mortgage payments as well as rent
- Cards functional from Feb 7, 2026
Pros
- Rewards on housing payments
- Flat 2x on everything
- Transferable Bilt points
Cons
- $495 fee
- Bilt Cash system is complex
- New issuer with limited track record
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: newsroom.biltrewards.com · doctorofcredit.com · support.biltrewards.com
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Bilt Palladium CardRenters and homeowners with high housing costs who want premium perks |
$495/yr | 2x points on everyday spend plus 4% back in Bilt Cash; points on rent… | 10.00% intro APR on new purchases for first 12 months | None | Good to Excellent (typical for… | — |
Capital One Venture X RewardsTravelers wanting premium perks at a lower net cost |
$395/yr | 10x hotels & cars via Capital One Travel, 5x flights via portal, 2x ev… | None | None | Excellent (740+) | |
The Platinum Card from American ExpressFrequent flyers who'll exhaust the lounge access and statement credits |
$895/yr | 5x flights booked with airlines or Amex Travel; 5x prepaid hotels via… | None | None | Excellent (740+) | |
U.S. Bank Altitude Reserve Visa InfiniteMobile-wallet-first spenders who want premium travel perks |
$400/yr | 3x on travel and mobile-wallet purchases, 1x other; points worth 1.5¢… | None | None | Excellent (740+) |
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