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Bilt Rewards

Bilt Mastercard® Palladium

Earn 2x on all purchases. $1,116+ in statement credits per year. $495 annual fee.

🎁

Welcome Offer

50,000 Bilt Points and Bilt Gold Elite Status after you spend $4,000 in the first 90 days, plus $300 of Bilt Cash upon approval.

Annual Fee

$495

Total Credits Value

$1,116

Potential Net Value

+$621

Earning Rates

1.25x

Rent & Mortgage

Up to 100k pts/yr

All Other Purchases

Base earn rate

Credits

Bilt Travel Hotel Credit

$200 semi-annually for hotel bookings through Bilt Travel Portal (2-night minimum stay required).

Resets: Jan–Jun / Jul–Dec ($200 per period)

Bilt Travel ↗

Hyatt ↗

$400/yr

$200 Semi-annual

Annual Bilt Cash

Automatically credited January 1 each year (or upon approval for first year). Up to $100 of unused Bilt Cash rolls over into the next calendar year.

Resets: January 1 each year (or upon approval first year) Valid at: Automatically credited to Bilt Cash balance

$200/yr

$200 Annual

Welcome Bonus

$300 Bilt Cash welcome bonus upon approval.

Resets: One-time upon approval Valid at: Bilt Cash upon approval

$300

$300 One-time

Lyft Credit

Take 3 eligible Lyft rides in a calendar month, get a $5 Lyft credit. Valid through 1/31/27. Credit expires 30 days after applied.

Resets: Calendar month (take 3 Lyft rides to earn) Valid at: Pay with Bilt Palladium; credit applied to Lyft account

$60/yr

$5 Monthly

$3 monthly statement credit when you pay for Peacock Premium or Peacock Premium Plus with your Bilt Palladium Card. Valid 1/1/26–12/31/27. Excludes current subscribers; eligibility restrictions apply.

Resets: Calendar month (pay for Peacock Premium or Premium Plus with card) Valid at: Subscribe with Bilt Palladium; $3 statement credit each month

$36/yr

$3 Monthly

Instacart+ Monthly Credit

With Instacart+ and an enrolled Bilt Palladium Card: $10 off your second order of $10+ each month. Also includes 3 free months of Instacart+ for new members. Valid through 1/31/27.

Resets: Calendar month ($10 off second order of $10+) Valid at: Enroll card with Instacart+; $10 off second qualifying order each month

$120/yr

$10 Monthly

Featured Benefits

Priority Pass

Complimentary Priority Pass membership with unlimited lounge visits for the cardholder and up to two guests at participating airport lounges; enrollment required. Per Bilt terms, airport restaurants and non-lounge experiences are excluded.

Airport lounge access

Other Benefits

Benefit

Up to 1.25X on Rent and Mortgage

Earn up to 1.25 points per dollar on housing payments per Bilt's monthly rent-spend ratio and eligibility rules.

Benefit

Bilt Cash Option

Optionally choose to earn 4% back in Bilt Cash on everyday spend excluding rent/mortgage instead of 2X Bilt Points.

Transportation

Auto Rental Coverage (MasterRental, secondary)

Up to 31-day rentals; covers physical damage and theft, plus loss of use up to $500 per incident; primary coverage outside the U.S. when you have no other applicable insurance.

Insurance

Trip Cancellation and Interruption Insurance

Up to $2,000 per covered trip and $5,000 per account per 12 months for non-refundable trip costs charged to the card (covered losses include sickness, accidental injury, or death of an eligible traveler/companion/family member). Secondary.

Insurance

Trip Delay Reimbursement

Up to $300 per trip when common-carrier travel is delayed more than 6 hours due to inclement weather, equipment failure, or lost/stolen passport; 1 claim per 12 months. Secondary.

Transportation

Lost or Damaged Luggage Insurance

Up to $1,500 per incident for repair or replacement of checked or carry-on luggage and contents; max 2 claims per 12 months. Worldwide. Secondary.

Transportation

Baggage Delay Insurance

Up to $250 per claim for emergency replacement of essentials when checked baggage is delayed more than 6 hours; max 2 claims per 12 months. Secondary.

Benefit

Cellular Wireless Telephone Protection

Up to $800 per claim ($1,000 per card per 12 months) for theft or damage to phones on your monthly bill, when the bill is paid with this card; $50 deductible, max 2 claims per 12 months. Excludes lost or mysteriously disappeared phones.

Insurance

Purchase Assurance

Damage or theft coverage on eligible new purchases for 90 days; up to $1,000 per loss and $50,000 per cardholder per 12 months. Secondary.

Insurance

Extended Warranty

Doubles the original U.S. manufacturer's or store warranty (warranties of 24 months or less) up to an additional 24 months; max $10,000 per claim.

Benefit

Price Drop Protection

Refund the difference (up to $250 per claim, $25 minimum) if a printed or non-auction online ad shows a lower price for the same item within 90 days of purchase; max 4 claims per 12 months.

Benefit

Mastercard ID Theft Protection

Surface, dark, and deep web monitoring for compromised credentials, plus credit-bureau monitoring and resolution specialist support; enrollment required.