Bilt Mastercard Palladium
Bilt · Mastercard · $495 annual fee
Tap the credits you actually use to track them — your picks are saved on this device.
1. You pay through Bilt. Enter your landlord or mortgage servicer in the Bilt app and pay with the card. Bilt sends them a normal check or ACH transfer — your landlord does not need to participate and never sees a card.
2. There is no transaction fee. Paying rent by card normally costs 2–3% through a third party, which wipes out any rewards. Bilt charges nothing, which is the entire reason the card exists.
3. Your rate is tiered by your other spending. Housing points scale with how much you put on the card outside of rent — the more you use it for everyday purchases, the higher your housing rate climbs, up to 1.25 points per $1. Use the card only for rent and you earn at the bottom of the scale.
4. There is no longer a cap. Bilt Card 2.0 removed the old 100,000-point annual limit on housing. If you pay $3,000+ a month, that change alone is worth more than any other benefit on the card.
5. Or take cash instead. You can opt for the Bilt Cash track — 4% back on everyday purchases — instead of earning points on housing. You pick one track, not both.
Terms apply; verify current details with Bilt before applying.
The latest changes to this card — newest first. Verified against issuer terms.
Bilt’s first true premium card
Palladium launched with Bilt Card 2.0 at $495: a $400 hotel credit, $200 annual Bilt Cash, Priority Pass lounge access, no foreign transaction fees, and a flat 2x on everything.
Read the fine print on the $200 Bilt Cash
The $200 annual Bilt Cash is waived if you’re earning points on rent and mortgage. You pick one track or the other — so the headline $600 in credits is really $400 for most housing-focused cardholders.
Rent cap removed — unlimited housing points
Card 2.0 killed the 100,000-point annual cap on housing. For high-rent cardholders, Palladium is now the most rewarding way to pay a landlord.
Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Bilt before applying.