Bilt Palladium Benefits, Credits & Annual Fee

• Annual Bilt Cash Benefit$200 / yrTrackable

  Get $200 in Bilt Cash every year to use toward rent, travel, or other Bilt redemptions. The credit is applied to your account when you open it, then again each January 1st. No action is needed - it posts automatically.

  Resets: Calendar yearChecked Jul 4, 2026
• Annual Bilt Travel Portal Hotel Credit$200 / 6moTrackable

  Get $400 per year in hotel credit, delivered as two $200 installments every six months. Use it toward eligible hotel bookings made through the Bilt Travel Portal. Credit expires at the end of each semi-annual period if unused.

  Resets: Twice a yearChecked Jul 4, 2026

Travel Benefits

• Bilt Points Transfer Partners

  Transfer Bilt Points to participating travel loyalty programs. Choose a partner and initiate the transfer through your Bilt Rewards account to use points under that program’s rules. Partners and transfer terms can change, so check them before transferring.

  Checked Sep 27, 2026
• Bilt Travel Portal Bookings Redemption

  Use Bilt Points to book travel through the Bilt Travel Portal. You can book with any airline or hotel brand. Choose your trip in the portal and pay with points.

  Checked Oct 9, 2026
• BLADE Discount for Elite Members

  Bilt Silver members and above receive 10% off BLADE flights when booked through the Bilt app. Make sure to book directly in the app so the discount is applied at checkout.

  Checked Jul 4, 2026
• BLADE Helicopter Ride upon Platinum Status Qualification

  Each time you qualify or re-qualify for Bilt Platinum status, you receive one complimentary BLADE helicopter ride. This benefit resets every time you hit the Platinum qualification threshold, so it can be earned more than once.

  Checked Jul 4, 2026

Lounge Access

• Priority Pass Airport Restaurant, Retail and Spa Offers

  Get Priority Pass offers at participating airport restaurants, shops, and spas. Check the Priority Pass app for available discounts and follow the offer’s instructions at the location. Offers vary by airport and participating business.

  Checked Sep 27, 2026
• Priority Pass Membership

  Palladium cardholders receive Priority Pass membership with access to 1,300+ airport lounges worldwide. Show your Priority Pass membership card or use the Priority Pass app. Authorized users also receive Priority Pass access (cataloged separately).

  Checked Sep 14, 2026
• Authorized User Priority Pass Access

  Authorized users on your account earn points at Palladium Card rates and get their own Priority Pass lounge access. They do not receive the annual $400 hotel credit or the $200 annual Bilt Cash benefit - those are for the primary cardholder only.

  Checked Jul 4, 2026

Hotel Status

• Virgin Voyages Deep Blue Extras Status Match

  Bilt Platinum members can claim a status match to Virgin Voyages Deep Blue Extras, the cruise line's top loyalty tier. Perks include bonus bar tab credits and priority boarding. Register through Bilt to activate your match.

  Checked Jul 4, 2026

Airline Status

• Air France/KLM Flying Blue Gold StatusEnrollment required

  Bilt Platinum members can earn 12 months of Air France/KLM Flying Blue Gold status - which also grants SkyTeam Elite Plus - by registering and transferring 10,000 Bilt points to Flying Blue. SkyTeam Elite Plus unlocks lounge access and perks across SkyTeam partner airlines.

  Checked Jul 4, 2026

Rental Car

• MasterRental Coverage

  MasterRental Coverage provides protection for a qualifying rental vehicle against covered damage or theft. Check your card’s benefit guide for payment and rental-agreement requirements before you rent. Vehicle exclusions, rental-length limits, and coverage conditions apply.

  Checked Oct 9, 2026

Travel Insurance

• Trip Cancellation and Interruption Protection

  Get coverage for certain nonrefundable travel costs if a covered event cancels or interrupts your trip. Keep your booking records and review the card’s benefit guide before filing a claim. Covered reasons, payment requirements, and reimbursement limits apply.

  Checked Oct 9, 2026
• Trip Delay Reimbursement

  Get reimbursement for qualifying expenses when a covered trip is delayed. Save receipts and proof of the delay, then follow the claim instructions in your card’s benefit guide. Minimum delay periods, covered reasons, and reimbursement limits apply.

  Checked Oct 9, 2026
• Baggage Delay Insurance

  Baggage Delay Insurance can cover qualifying essentials when your checked baggage is delayed during a covered trip. Save receipts and documentation from the carrier if you need to file a claim. Waiting periods, eligible purchases, and reimbursement limits apply.

  Checked Oct 9, 2026
• Global Emergency Services

  Access emergency assistance anywhere in the world through Mastercard World Legend benefits, including referrals for medical, legal, and travel emergencies. Call the Mastercard Global Service number on the back of your card to reach support.

  Checked Jul 4, 2026
• Lost or Damaged Luggage Insurance

  Lost or Damaged Luggage Insurance can cover qualifying belongings when a carrier loses or damages your baggage on a covered trip. Report the loss to the carrier and keep your travel documents for a claim. Coverage limits and exclusions apply.

  Checked Oct 9, 2026

Bonus Earnings

• 4X Hotels through Bilt Travel4x points
  Checked Sep 14, 2026
• Bilt Home Delivery Rewards

  Earn bonus Bilt Points on qualifying Bilt Home Delivery purchases. Place your order through Bilt Home Delivery and check the offer for the applicable earning rate. Bonus points apply to net eligible purchases, not returned or credited amounts.

  Checked Sep 27, 2026
• Bilt Parking Rewards

  Earn bonus Bilt Points on qualifying drive-up parking at Metropolis Vision technology locations. Use a participating location and check Bilt for the applicable offer. Bonus points apply to net eligible purchases after returns or credits.

  Checked Sep 27, 2026
• 3X Flights through Bilt Travel3x points
  Checked Sep 14, 2026
• Base Earning Rate: 2x Points on Everyday Spend2x points
  Checked Sep 14, 2026
• Housing-only Rewards - Up to 1.25X Points on Housing Payments250% / mo

  Earn at least 250 Bilt Points on a housing payment, even if you don't meet the 25% everyday spend minimum. The 25% minimum refers to your everyday spend compared with your housing payment. Meet it to earn a higher rate.

  Checked Oct 9, 2026
• Rent Day Double Points Promotion

  On the 1st of every month, earn double points - 4X - on everyday purchases instead of the usual 2X. Rent Day runs from 12:00 AM ET to 11:59 PM PT, and bonus points are capped at 1,000 per month. Housing payments are excluded.

  Checked Jul 4, 2026
• Point Accelerator$200 / yrTrackableEnrollment required

  Redeem $200 in Bilt Cash to earn 1 additional Bilt Point per dollar on the next $5,000 in qualifying everyday purchases, bringing the 2X base to 3X for that window. Available up to five times per year (up to $25,000 eligible spend). Activation expires after the $5,000 cap or at calendar year-end, whichever comes first. Official Bilt Palladium page retrieved 2026-09-12.

  Resets: Calendar yearChecked Sep 27, 2026
• Bilt Cash Earning Rate on Everyday Spend4% / yr

  Opt into the Flexible Bilt Cash earning structure to earn 4% back in Bilt Cash on everyday, non-housing purchases. Bilt Cash can be used across Bilt partner categories including rent, travel, and dining. You must actively select this option in the Bilt app - it is not the default.

  Checked Sep 30, 2026
• Bilt Neighborhood Benefits

  Earn bonus Bilt points at more than 50,000 merchants in the Bilt network, including restaurants, select pharmacies, Lyft, and fitness studios. Just pay with your Bilt Palladium Card at participating locations - no separate enrollment needed. Use the Bilt app to find nearby network merchants.

  Checked Jul 4, 2026
• Earn Points on Rent or Mortgage Payments

  Earn Bilt points on rent and mortgage payments made through Bilt with no transaction fee. With the Flexible Bilt Cash option, you can use Bilt Cash to unlock up to 1x points on housing payments; with Housing-only rewards, points are earned automatically based on your everyday spending.

  Checked Jul 4, 2026
• 4X Lyft Rides (Linked Accounts)4x points

  Earn 4X Bilt Points on Lyft rides when Bilt and Lyft accounts are linked (2X base + 2X Lyft partnership).

  Checked Sep 14, 2026

Purchase Protection

• Price Drop Protection

  If an item you purchased with your card drops in price shortly after buying it, you can file a claim for a refund of the difference through Mastercard World Legend benefits. Check your benefits guide for the claim window and per-item dollar limits.

  Checked Oct 9, 2026
• Purchase Assurance

  Eligible new purchases made with your Bilt Palladium Card are automatically covered against damage or theft for a limited time after purchase, through Mastercard World Legend benefits. Review your card guide for coverage limits and exclusions.

  Checked Oct 9, 2026
• Cellphone Protection

  Pay your monthly wireless bill with the Bilt Palladium Card to receive coverage against theft or accidental damage to your cell phone. Coverage limits and deductibles apply - review your card's guide to benefits for full details.

  Checked Oct 9, 2026
• Extended Warranty

  Eligible purchases made with your Bilt Palladium Card may receive an extension of the original manufacturer's warranty at no extra cost, through Mastercard World Legend benefits. Check your benefits guide for the maximum extension length and which items qualify.

  Checked Oct 9, 2026
• Mastercard ID Theft Protection

  Mastercard monitors for signs of identity theft and alerts you if your personal information appears to be at risk. Enroll through the Mastercard ID Theft Protection portal to activate monitoring, and get resolution support if your identity is compromised.

  Checked Jul 4, 2026

Concierge & Membership

• Bilt Gold Elite Status

  Get Bilt Gold Elite Status after you spend $4,000 in your first 90 days (rent or mortgage payments excluded). It lasts the rest of the year you qualify, all of the next calendar year, and through January 15 of the year after.

  Checked Oct 9, 2026
• Bilt Homeownership Concierge

  When you redeem Bilt Points toward a home down payment, you gain access to a dedicated concierge who can guide you through the home-buying process from search to closing. This benefit is available to members actively redeeming points for a down payment.

  Checked Jul 4, 2026
• Mastercard Concierge

  Get 24/7 on-demand assistance for travel bookings, dining reservations, event tickets, and more through Mastercard Concierge, a Mastercard World Legend benefit. Reach the service by calling the number on the back of your card.

  Checked Jul 4, 2026

Entertainment

• Priority Access to Rent Day Experiences

  Gold and Platinum members get an earlier booking window for Rent Day experiences - such as Neighborhood Comedy shows and Bilt Dining events - before spots open to lower-tier members. This priority access applies each month on Rent Day.

  Checked Jul 4, 2026

Fees & Miscellaneous

• No Transaction Fee on Housing Payments

  Pay rent or mortgage through Bilt and you'll never be charged a transaction fee, regardless of which bonus rewards option you've selected. This applies to all housing payments processed through Bilt.

  Checked Jul 4, 2026
• $50 Bilt Cash Elite Status Milestone Reward$50

  Earn $50 in Bilt Cash as a milestone reward each time you accumulate 25,000 Bilt Points toward elite status. This repeats every time you hit a new 25,000-point threshold - there's no cap on how often you can earn it.

  Checked Jul 4, 2026
• Authorized User Fee$95 / yr

  Official Bilt Palladium page retrieved 2026-09-12 states a $95 authorized user fee. Authorized users receive Priority Pass access. Dollar amount taken only from that issuer page.

  Checked Sep 12, 2026
• Bilt Points Gift Card Redemption

  Use Bilt Points to get gift cards from participating merchants. Browse gift card options in your Bilt Rewards account and redeem points for the one you want. Merchant availability, denominations, and points prices can vary.

  Checked Sep 27, 2026
• Bilt Points Lyft Redemption

  Use Bilt Points toward Lyft rides. Link your Bilt and Lyft accounts and choose the points redemption option when available for a ride. Check the points price and any ride restrictions before confirming.

  Checked Sep 27, 2026
• Bilt Points Rent Credit Redemption

  Use Bilt Points to cover part of a monthly rent payment. Select the rent redemption option in Bilt when arranging your payment and apply the points you want to use. Check the displayed redemption value before confirming.

  Checked Sep 27, 2026
• Bilt Points Statement Credit Redemption

  Use Bilt Points for a statement credit toward your Bilt card’s principal balance. Redeem points through your Bilt Rewards account and select a qualifying Bilt Blue, Obsidian, or Palladium Card. A statement credit does not replace a required minimum payment.

  Checked Sep 27, 2026
• Complimentary Platinum Gift from the Bilt Collection

  Bilt Platinum members receive a complimentary gift selected from the Bilt Collection, which features home decor and art items. The specific gift may vary based on what is available in the catalog at the time of qualification.

  Checked Jul 4, 2026
• Foreign Transaction Fee5% / yr

  A 5% fee applies to each purchase made outside the U.S. or in a foreign currency.

  Checked Oct 9, 2026
• Free Credit Reporting for Rent Payments

  Every on-time rent payment made through Bilt is reported to credit bureaus at no cost to you. This can help build your credit history using payments you're already making. Only on-time payments qualify for reporting.

  Checked Jul 4, 2026
• Interest Earned on Bilt Points Balance (Silver and higher)

  Bilt Silver members and above earn monthly interest on their Bilt points balance, paid out as additional points each 30-day period. The rate is tied to the FDIC published national savings rate and is calculated on your average daily points balance.

  Checked Jul 4, 2026
• Introductory APR on Purchases

  Get a reduced 10% introductory APR on new purchases for the first 12 billing cycles after opening your account. After the intro period ends, the standard variable APR applies to any remaining balance.

  Checked Oct 9, 2026
• Mastercard Zero Liability

  You are not responsible for unauthorized charges made on your Bilt Palladium Card. Report any fraudulent transactions and Mastercard's Zero Liability policy ensures you won't be held liable, whether the transaction occurred in-person or online.

  Checked Jul 4, 2026