Bilt Palladium Card

Bilt · WORLD LEGEND MASTERCARD · annual fee $495

The Wallet Audit values statement credits at what a typical person actually captures rather than at their advertised ceiling, and gives each rewards currency a single honest cents-per-point figure.

Earn rates

• Up to 1.25×* Rent or mortgage (Bilt Housing Rewards)
• Up to 5× Bilt partner restaurants (20,000+ U.S. locations)
• 4× Hotels, booked on the Bilt Travel Portal
• 3× Flights, booked on the Bilt Travel Portal
• 4× Lyft, after linking Bilt and Lyft accounts
• 2× Everything else

Statement credits, at their advertised value

• Annual Bilt Cash, up to $200 a year
• Bilt Travel Hotel Credit, up to $400 a year

Advertised total $600 a year. This page shows a realistic estimate for each of these instead, which is usually lower, plus sliders to set your own figures.

No foreign transaction fee.

Purchase APR: 26.74%-34.74%

The verdict, the realistic credit values, the points valuation and the earn-rate breakdown are on the card's page. Open https://thewalletaudit.com/cards/bilt-palladium.