So, here\u2019s an overview of Bilt\u2019s new credit card portfolio, along with the key details and dates you need to know as you transition your current Bilt card to one of its three new credit cards.<\/p>\n
Page Contents<\/p>
- Overview of the New Bilt Rewards Credit Card Portfolio<\/a>
- Bilt Palladium Card<\/a><\/li>
- Bilt Obsidian Card<\/a><\/li>
- Bilt Blue Card<\/a><\/li>
- Fees and restrictions worth knowing about<\/a><\/li><\/ul><\/li>
- Transition Details for Current Bilt Cardholders<\/a><\/li>
- Key Things to Know About Bilt 2.0<\/a>
- How will I earn rewards on rent and mortgages?<\/a><\/li>
- What is Bilt Cash?<\/a><\/li><\/ul><\/li>
- Bottom Line<\/a><\/li><\/ul><\/div>\n\n
Overview of the New Bilt Rewards Credit Card Portfolio<\/span><\/h2>\n
We\u2019ve known for quite a while that Bilt Rewards<\/a> was in the process of sunsetting the Wells Fargo-issued The Bilt Mastercard\u00ae<\/sup> in favor of three new Cardless credit cards. In November, Bilt confirmed rumors that it would introduce three cards<\/a>: a no-annual-fee card, a $95 annual fee card, and a premium $495 annual fee card. (Rates & Fees<\/a>)<\/p>\n
That\u2019s now become a reality. And while these three cards share some similarities, there are plenty of differences too. So, if you\u2019re a current Bilt Mastercard holder, you\u2019ll want to read on for the details on each option to decide which, if any, makes sense for you to transition to.<\/p>\n
![\"Bilt](\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\")
Credit: Bilt Rewards<\/em><\/enter><\/figure>\n To keep things easy to digest, we\u2019ll go card by card and walk through the benefits, welcome bonus if applicable, earning rates, and more.<\/p>\n
Bilt Palladium Card<\/span><\/h3>\n
The Bilt Palladium Card<\/a> (Rates & Fees<\/a>) is Bilt Rewards\u2019 brand-new premium card. It carries a $495 annual fee and includes a set of benefits designed to help justify that steep price tag.<\/p>\n
Those benefits include a $400 Bilt Travel portal hotel credit (split into two $200 credits each half of the year), $200 in Bilt Cash annually, and a Priority Pass membership. Up to $100 of Bilt Cash earned rolls over to the next year. (Offer Terms)<\/a><\/p>\n
Note: <\/strong>Bilt Cash expires at the end of each calendar year. Up to $100 of Bilt Cash earned rolls over to the next year.<\/em><\/p>\n
The Palladium Card<\/strong> will also be issued as a Mastercard World Legend product, which means it comes with built-in perks like Baggage Delay Insurance, Lost or Damaged Luggage Insurance, and more.
\n<\/p>\nA maximum benefit amount and certain restrictions and limitations apply. Please review the Mastercard Guide to Benefits<\/a> for details.<\/p>\n
<\/span><\/p>\n
Credit: Bilt Rewards<\/em><\/enter><\/figure>\n Better yet, the Palladium Card also comes with a welcome bonus that\u2019s available to both new and transitioning cardholders. The bonus is 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash<\/p>\n
This is also a rewarding premium card for everyday spending. It\u00a0earns Bilt Points as follows:<\/p>\n
- \r\n
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.<\/li>\r\n
- 2X points on everyday spend<\/li>\r\n<\/ul>\n
Plus, there are no foreign transaction fees (Rates & Fees<\/a>).<\/p>\n
\n\n\nBilt Palladium Card<\/div>\n<\/div>\n Apply Now<\/a><\/div>\nRates & Fees<\/a><\/span><\/div>\nWelcome Bonus<\/strong> 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash.<\/div>\n <\/div>\n\n Bilt Palladium Card<\/strong>\nWelcome Bonus<\/strong> 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 3 months + $300 of Bilt Cash.<\/div>\nAnnual Fee:<\/strong>$495<\/b><\/div>\nShow more<\/a>Why We Like It<\/a>Highlights<\/a>Earning Rates<\/a>The Bilt Palladium Card delivers premium value through a mix of strong everyday earning, substantial annual travel credits, and flexible rewards that can be used for both luxury travel and real-life expenses like rent and mortgage payments. With a high-value welcome bonus, Priority Pass access, and generous ongoing credits, it's well-suited for cardholders who want elevated benefits alongside practical redemption options.<\/div>\n\n\n- Earn points on housing payments with no transaction fee<\/li>
- Choose to earn 4% back in Bilt Cash on everyday spend. Use Bilt Cash to unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X.<\/li>
- 2X points on everyday spend<\/li>
- $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.<\/li>
- $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.<\/li>
- Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.<\/li>
- Priority Pass ($469\/year value). See Guide to Benefits<\/a>.<\/li>
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.<\/li><\/ul><\/body><\/html>\n<\/div>
- What is Bilt Cash?<\/a><\/li><\/ul><\/li>
- Bilt Obsidian Card<\/a><\/li>
- Bilt Palladium Card<\/a><\/li>
![\"Bilt](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Bilt2.0-1.jpg\")
![\"Bilt](\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/01\/Bilt2.0-2.jpg\")
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