Bilt Blue Card vs Bilt Palladium Card

Bilt Blue CardBilt Blue Card

Bilt

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Bilt Palladium CardBilt Palladium Card

Bilt

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Annual Fee
No Annual Fee
$495
Card Type
Personal
Personal
Rewards Currency
Bilt Points
Bilt Points
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
$100 in Bilt Cash when you open the card
50,000 points + Bilt Gold status after $4,000 in purchases (not rent or mortgage) in 90 days, plus $300 in Bilt Cash

Effective return by category

CategoryBilt Blue CardBilt Palladium Card
Rent2.00%
1x
2.00%
1x
Mortgage2.00%
1x
2.00%
1x
Everything else2.00%
1x
4.00%
2x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

Ask the Advisor