Bilt · card facts

Bilt Palladium

Can be a break-even trap if you do not naturally use the credits.

WELCOME BONUS50k pointsSpend $4,000

ANNUAL FEE$495First year: $495

CREDITSHard$600/yr advertised

LOUNGE ACCESSPriority Pass SelectVaries by card

Dollar estimates below use $3,000/month benchmark spending and TPG's August 2026 points/miles valuation. Lounge visits are not assigned a dollar value.

Year 1 · best case

+$2,393

Welcome bonus · TPG est.+$1,100

Full advertised annual credits+$600

Rewards on $36,000 benchmark spend+$1,188

First-year annual fee−$495

Keep / year · best case credits

+$1,293

Definitely keep

This recurring estimate uses the full advertised credit amount. The Hard label tells you how realistic it may be to capture all $600 of those credits.

Advertised credits$600

Credit difficultyHard

TPG Aug. 2026 value2.20¢

Annual fee$495

Fee minus advertised credits+$105 credit surplus

Credit details

$600 advertised per year · Hard to use fully

Bilt Travel hotel credit$200 twice yearly · High difficulty

$400 advertised

Requires qualifying 2+ night Bilt Travel Portal hotel bookings; can force extra hotel spend.

Annual Bilt CashAnnual balance, restricted uses · High difficulty

$200 advertised

Not cash; usefulness depends on specific Bilt Cash redemption options and your habits.

Lounge access

Priority Pass Select

Participating Priority Pass lounges; card-specific guest rules apply.

Guest ruleVaries by card

Compare all cards →Read the methodology

Offer accuracy: Card offers and benefits change. Verify current issuer terms before applying. The credit amount shown is the advertised total; difficulty labels warn about restrictions rather than discounting the credit to a made-up personal value. Affiliate disclosure.