# Bilt Mastercard® Palladium

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

Canonical page: https://cardstack.money/cards/bilt-mastercard-palladium
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Bilt
- Network: Mastercard
- Annual fee: $495
- Rewards program: Bilt Rewards (https://cardstack.money/programs/bilt-rewards.md)
- Total statement credits value: $1,116 per year
- Net value after annual fee: +$621 per year (credits value minus 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.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 1.25x | Rent & Mortgage | Up to 100k pts/yr |
| 2x | All other purchases | Base earn rate |

## Statement credits

### Bilt Travel Hotel Credit - $400/yr ($200 semi-annual)

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

- Resets: Jan–Jun / Jul–Dec ($200 per period)
- Where to redeem: Bilt Travel (https://www.bilt.com/rewards/travel), Hyatt (https://www.hyatt.com)
- Details: https://cardstack.money/benefits/bilt-mastercard-palladium-bilt-travel-hotel-credit.md

### Annual Bilt Cash - $200/yr ($200 annual)

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)
- Where to redeem: Automatically credited to Bilt Cash balance
- Details: https://cardstack.money/benefits/bilt-mastercard-palladium-annual-bilt-cash.md

### Welcome Bonus - $300 one-time

$300 Bilt Cash welcome bonus upon approval.

- Offer terms: One-time upon approval
- Where to redeem: Bilt Cash upon approval
- Details: https://cardstack.money/benefits/bilt-mastercard-palladium-welcome-bonus.md

### Lyft Credit - $60/yr ($5 monthly)

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)
- Where to redeem: Pay with Bilt Palladium; credit applied to Lyft account
- Details: https://cardstack.money/benefits/bilt-mastercard-palladium-lyft-credit.md

### Peacock Credit - $36/yr ($3 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)
- Where to redeem: Subscribe with Bilt Palladium; $3 statement credit each month
- Details: https://cardstack.money/benefits/bilt-mastercard-palladium-peacock-credit.md

### Instacart+ Monthly Credit - $120/yr ($10 monthly)

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+)
- Enrollment required: yes
- Where to redeem: Enroll card with Instacart+; $10 off second qualifying order each month
- Details: https://cardstack.money/benefits/bilt-mastercard-palladium-instacart-monthly-credit.md

## Featured benefits

- **Priority Pass** (Airport lounge access): 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.

## Other benefits

- **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.
- **Bilt Cash Option**: Optionally choose to earn 4% back in Bilt Cash on everyday spend excluding rent/mortgage instead of 2X Bilt Points.
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **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.
- **Mastercard ID Theft Protection**: Surface, dark, and deep web monitoring for compromised credentials, plus credit-bureau monitoring and resolution specialist support; enrollment required.
- **Mastercard Travel & Lifestyle Services**: Curated luxury hotel collection bookings with Lowest Hotel Rate Guarantee and Hotel Stay Guarantee, plus premium amenities and upgrades.
- **Mastercard Concierge Service**: 24/7/365 personal-assistant access for travel, dining, entertainment, and event planning (1-877-354-8330).
- **Mastercard Global Service**: 24/7 worldwide assistance for lost/stolen card reporting and emergency card replacement.
- **No Foreign Transaction Fees**: No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.


---

CardStack automatically tracks the Bilt Mastercard Palladium's $1,116 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863