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Bilt points
Bilt 2.0 — launched 7 Feb 2026. Re-verified 2026-10-29 from bilt.com/card/palladium (user-linked): $495 fee, 2× everyday, up to 1.25× housing, up to 5× Bilt partner restaurants, 4× hotels / 3× flights via Bilt Travel, 4× Lyft, $400 Bilt Travel hotel credit, Priority Pass, no foreign transaction fee, no transaction fee on rent/mortgage.
As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.
| Category | Rate | Cap / limit | Conditions |
|---|---|---|---|
| Rent / Mortgage (via Bilt) | Up to 1.25× | No annual cap in 2.0 | Same tiers as Blue, but the top tier (everyday spend ≥ 100% of the housing payment) pays 1.25× instead of 1× |
| Everything else | 2× | — | The 2× base is in the master list — this row flags that it applies on top of the housing earn |
| Restaurants / Dining (Bilt partner restaurants) | Up to 5× | — | Bilt Neighborhood Dining partner restaurants — bonus stacks on 2× base; varies by restaurant (bilt.com/card/palladium) |
| Travel — Hotels (portal) | 4× | — | Booked on Bilt Travel Portal only (2× base + 2× portal bonus) |
| Travel — Airfare (portal) | 3× | — | Booked on Bilt Travel Portal only (2× base + 1× portal bonus) |
| Transit & Rideshare (Lyft) | 4× | — | Lyft after linking Bilt and Lyft accounts (2× base + 2× Lyft bonus) |
| Travel — Other / General | 2× | — | Other travel at the 2× everyday base rate |
50,000 points
Bilt points
50,000 Bilt points and Gold status after $4,000 on non-housing (non-rent/mortgage) purchases in the first 90 days, plus $300 Bilt Cash upon approval.
Plus $300 in Bilt Cash on approval and Gold status
Separate conditions may apply. This component is not automatically added to the estimate below.Uses the workbook’s 2¢ per point assumption, not a guaranteed redemption value. Excludes additional components, matches, annual fees, and the cost of meeting qualifying spend. This is not a purchase reward rate.
These are source research notes, not a determination that you qualify. Family rules may apply only to the products named below. Confirm current issuer terms.
Bilt 2.0 issuer rules; spend must be non-housing
Window start event: Confirm the exact starting event with the issuer. A completion window is not the offer expiration date.
Re-verified 2026-10-29 on bilt.com/card/palladium (user-linked): 50,000 points + Gold status after $4,000 in non-housing purchases in first 90 days, plus $300 Bilt Cash on approval. Page also notes $200 annual Bilt Cash posts at opening in year 1. Spend excludes rent/mortgage. Est. value counts points only.
Offer type, as listed: Public