If you open a card, we’d appreciate if you apply through our link. It helps keep Cloud9Club running at no extra cost to you.
Bilt Palladium Card
Bilt’s premium card with 2x points on all everyday spending, a 50,000-point welcome bonus with Gold Status, $400 in annual hotel credits, $200 in annual Bilt Cash, and Priority Pass lounge access. The top of the Bilt lineup for serious points earners.
The Premium Play for Points Maximizers
The Palladium is the top of the Bilt lineup, and it earns its spot. No other premium card lets you earn points on your rent and mortgage while also giving you 2x on every other dollar you spend. If you’re already paying housing through Bilt, this card amplifies everything else.
The credits stack up fast. $400 in hotel credits, $200 in annual Bilt Cash, and $300 in Bilt Cash just from the welcome bonus. Add Priority Pass lounge access (a $469 value on its own) and the 50,000-point sign-up bonus, and the $495 fee starts to look very reasonable for anyone who travels regularly and wants to consolidate their earning into one ecosystem. Bilt’s transfer partners include Hyatt, United, Air Canada, Turkish Airlines, Virgin Atlantic, and more, so those points have real premium-cabin potential.
Earn on Rent & Mortgage
Earn up to 1x points on housing payments with no transaction fee. Works with virtually any landlord or mortgage servicer.
$400 Hotel Credit
$400 annual Bilt Travel hotel credit, applied as two $200 statement credits for qualifying bookings of 2+ nights.
$200 Annual Bilt Cash
$200 of Bilt Cash awarded annually. Use it to unlock housing rewards, book travel, or redeem for everyday purchases.
Priority Pass Lounges
Complimentary Priority Pass membership ($469/year value) with access to 1,400+ airport lounges worldwide.
Travel & Purchase Protections
Cellular Wireless Telephone Protection, Purchase Assurance, MasterRental Coverage, Trip Cancellation and Interruption Protection, and Trip Delay Reimbursement. (See Guide to Benefits)
Neighborhood Benefits
Earn additional points at over 50,000 merchants in the Bilt Neighborhood network, including fitness, dining, and more.
Maximum benefit amounts, restrictions, and limitations apply. See Guide to Benefits for details.
| Annual Fee | $495 |
| Welcome Bonus | 50,000 Bilt Points + Gold Status after $4,000 in everyday spend in 90 days, plus $300 Bilt Cash |
| Annual Hotel Credit | $400/year ($200 semi-annually) for Bilt Travel portal hotel bookings (2-night min.) |
| Annual Bilt Cash | $200 awarded annually |
| Purchase APR | 26.74% – 34.74% variable |
| Balance Transfer APR | 26.74% – 34.74% variable |
| Balance Transfer Fee | Greater of 5% or $5 |
| Cash Advance Fee | Greater of 5% or $5 |
| Cash Advance APR | 31.74% – 34.74% variable |
| Foreign Transaction Fee | $0 |
| Priority Pass | Included ($469/year value) |
| Recommended Credit | Good to Excellent |
| Network | World Elite Mastercard |
| Reward Type | Bilt Points (transferable to 20+ airline and hotel partners) or Bilt Cash |
The Premium Bilt Experience
2x on everything, 50K welcome bonus, $400 in hotel credits, Priority Pass lounges, and points on rent. All in one card.
Learn how to applyIf you open a card, we’d appreciate if you apply through our link. It helps keep Cloud9Club running at no extra cost to you.
This is not a guarantee of credit. All offers are subject to eligibility and approval. Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. Up to $100 of Bilt Cash earned rolls over to the next year; any remaining balance expires at the end of each calendar year. Rates & Fees | Offer Terms | Guide to Benefits