Bilt Bilt Palladium Card — United States
2 Bilt Points per USD 1 on other purchases; up to 5 at Bilt partner restaurants; up to 4 on hotels and 3 on flights via the Bilt travel portal; up to 1.25 on rent/mortgage.
- Annual card + required rewards fees
- $495.00
- Reward currency
- Bilt Points
- Card type
- Personal credit card
- Mileage route
- Bank points
- Record checked
- 2026-10-20
- First-year card fee
- Not verified
How earning and transfers work
Transferable Bilt Points; verified partners listed in transfers (list incomplete).
| Program | Conversion | Minimum / increment | Timing / source |
|---|---|---|---|
| Southwest Airlines Rapid Rewards | 1000 Bilt Points → 1000 airline units | Not verified / Not verified | Not verified Bilt press release 24 Apr 2025: 1:1. Min/increment not stated there. Official terms |
| Qatar Airways Privilege Club | 1000 Bilt Points → 1000 airline units | Not verified / Not verified | Not verified Bilt press release 22 May 2025: 1:1 to Avios. Official terms |
| Japan Airlines Mileage Bank | 1000 Bilt Points → 1000 airline units | Not verified / Not verified | Within 24 hours (Bilt expectation) Bilt post 13 May 2025: 1:1. Official terms |
| JetBlue TrueBlue | 1000 Bilt Points → 1000 airline units | Not verified / Not verified | Not verified Bilt post 20 Oct 2026: 1:1. Official terms |
| Wyndham Rewards | 1000 Bilt Points → 1000 airline units | 1000 / 1000 | Not verified Bilt post 25 Mar 2026: 1:1, minimum 1,000 in 1,000 increments. Official terms |
| I Prefer Hotel Rewards | 1000 Bilt Points → 2000 airline units | 1000 / 1000 | Not verified Bilt post 22 Jun 2026: 1:2, 1,000-point increments. Official terms |
Eligibility and important conditions
US application requirements and credit approval apply. No guaranteed approval score or minimum income is stated here.
Only the partners above could be verified from Bilt newsroom posts; Bilt says it has about 27 transfer partners, and its help-centre partner list is behind a bot check and was not read, so the list is incomplete. Welcome offers and Bilt Cash excluded. Housing-payment earn is a separate, spend-dependent multiplier (up to 1.25X) and is not in the base rate.
- Fee waiver
- Not verified
- Transaction rounding
- Not verified
- Points expiry
- Not verified
- Minimum transfer
- Not verified
- Transfer fee
- Not verified
- Transfer timing
- Not verified
Verification and sources
Listed on official product website; application subject to approval
Partial record. A source link does not verify every field.
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.
Open in the comparison directory
Transfer checklist · Award booking checklist