Cards
Points & MilesCardless
BILT Palladium Mastercard
Key facts
Annual fee$495/yr
Rewards currencyBILT Rewards Points
Recommended creditGood credit (690+)
Transfer partnersYes
Near all-time high offer
Current sign-up bonus
50,000 Bilt Points + Gold Status after spending $4,000 in the first 3 months, plus $300 Bilt Cash awarded instantly upon account opening≈ $750 value
Reward rates
2x on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Emergency Evacuation (Unconfirmed)
Yes
Travel Accident Insurance (Unconfirmed)
Yes
Baggage Delay (Unconfirmed)
Yes
Trip Delay (Unconfirmed)
Yes
Trip Cancellation / Interruption (Unconfirmed)
Yes — World Legend tier exact limits
Lounge Access (Unconfirmed)
Priority Pass Select — unlimited visits + unlimited guests guest count/policy 2026
Purchase protections
Cell Phone Protection (Unconfirmed)
Yes
Return Protection (Unconfirmed)
None
Extended Warranty (Unconfirmed)
Yes
Purchase Protection (Unconfirmed)
Yes
Other benefits
Annual Credits
$200 Bilt Cash Anniversary Bonus: up to $200, resets Annual.
Secondary Rental Car (Unconfirmed)
Auto Rental Collision Damage Waiver, secondary coverage for theft/damage on rental vehicles, standard for this Mastercard tier — must decline the rental agency's own CDW and charge the full rental to the card. Exact dollar caps not independently confirmed. [UNCONFIRMED — Guide to Benefits required]
Authorized User Fee (Unconfirmed)
$0 confirmed nowhere to charge for authorized users — Bilt does not publicly list an authorized-user fee for any tier. [UNCONFIRMED — Guide to Benefits required]
Foreign Transaction Fee
$0 — no foreign transaction fee
Primary Rental Car (Unconfirmed)
Yes
Lost / Stolen Baggage (Unconfirmed)
Yes
Transfer Partners
Yes — same as BILT Blue
Welcome Bonus (Unconfirmed)
None
Earn Rates (Unconfirmed)
6x dining; 3x travel; 1x rent (highest cap ); 1x everything else
A flat-rate card may earn more for your everyday spend:
Hilton American Express CardAmEx
3% everywhere
Robinhood Gold CardCoastal Community Bank
3% everywhere
IHG One Rewards PremierChase
3% everywhere
Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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