Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $0/yr for the Bilt Blue Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Blue Card have that the Bilt Palladium Card doesn't?

The Bilt Blue Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.

Should I get the Bilt Blue Card or the Bilt Palladium Card?

Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $0/yr for the Bilt Blue Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Blue Card have that the Bilt Palladium Card doesn't?

The Bilt Blue Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.

Should I get the Bilt Blue Card or the Bilt Palladium Card?

Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $0/yr for the Bilt Blue Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Blue Card have that the Bilt Palladium Card doesn't?

The Bilt Blue Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.

Should I get the Bilt Blue Card or the Bilt Palladium Card?

Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Bilt Blue Card vs Bilt Palladium Card

The Bilt Blue Card ($0/yr) is better for everyday value, while the Bilt Palladium Card ($495/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Fees & Welcome Offer

Annual Fee

$495

Welcome Bonus

—

50,000 Flex point

Earn Rates

Category	Bilt Blue Card	Bilt Palladium Card
Lyft	3X	4X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 5 of 6 categories. The Bilt Blue Card leads in 1.

Lyft

Bilt Palladium Card earns 4X vs 3X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Palladium Card earns 2X vs 1.25X

Walgreens

Bilt Palladium Card earns 3X vs 1X

Travel

Bilt Palladium Card earns 2X vs 1X

Everyday purchases

Bilt Palladium Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Bilt Palladium Card costs $495/yr — that's $495 more than the Bilt Blue Card (no annual fee). To justify that gap, you need to extract at least $495 in annual value from the card's higher earn rates and benefits.

The Bilt Palladium Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $495 gap is significant. Choose the Bilt Palladium Card only if you spend heavily on lyft and dining and will use its premium benefits regularly — otherwise the Bilt Blue Card delivers strong value at a fraction of the cost.

What You Give Up

Choosing one card means missing out on these benefits from the other.

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Bilt Palladium Card earns more with its 2X base rate.

Choose the Bilt Blue Card if you want solid rewards with a lower cost of entry. Choose the Bilt Palladium Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Bilt Palladium Card worth the higher annual fee?: The Bilt Palladium Card costs $495/yr vs $0/yr for the Bilt Blue Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue Card or Bilt Palladium Card?: The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Bilt Blue Card have that the Bilt Palladium Card doesn't?: The Bilt Blue Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.
Should I get the Bilt Blue Card or the Bilt Palladium Card?: Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Bilt Blue Bilt Blue vs Capital One Quicksilver

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Bilt Palladium Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Bilt Blue Card vs Bilt Palladium Card

The Bilt Blue Card ($0/yr) is better for everyday value, while the Bilt Palladium Card ($495/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Blue Card

Cardless

No image

Bilt Palladium Card

Cardless

Fees & Welcome Offer

Annual Fee

$495

Welcome Bonus

—

50,000 Flex point

Earn Rates

Category	Bilt Blue Card	Bilt Palladium Card
Lyft	3X	4X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 5 of 6 categories. The Bilt Blue Card leads in 1.

Lyft

Bilt Palladium Card earns 4X vs 3X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Palladium Card earns 2X vs 1.25X

Walgreens

Bilt Palladium Card earns 3X vs 1X

Travel

Bilt Palladium Card earns 2X vs 1X

Everyday purchases

Bilt Palladium Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Bilt Palladium Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Bilt Palladium Card earns more with its 2X base rate.

Choose the Bilt Blue Card if you want solid rewards with a lower cost of entry. Choose the Bilt Palladium Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Bilt Palladium Card worth the higher annual fee?: The Bilt Palladium Card costs $495/yr vs $0/yr for the Bilt Blue Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue Card or Bilt Palladium Card?: The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Bilt Blue Card have that the Bilt Palladium Card doesn't?: The Bilt Blue Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.
Should I get the Bilt Blue Card or the Bilt Palladium Card?: Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Bilt Blue Bilt Blue vs Capital One Quicksilver

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Bilt Palladium Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards

Bilt Blue Card vs Bilt Palladium Card

The Bilt Blue Card ($0/yr) is better for everyday value, while the Bilt Palladium Card ($495/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Blue Card

Cardless

No image

Bilt Palladium Card

Cardless

Fees & Welcome Offer

Annual Fee

$495

Welcome Bonus

—

50,000 Flex point

Earn Rates

Category	Bilt Blue Card	Bilt Palladium Card
Lyft	3X	4X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 5 of 6 categories. The Bilt Blue Card leads in 1.

Lyft

Bilt Palladium Card earns 4X vs 3X

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Palladium Card earns 2X vs 1.25X

Walgreens

Bilt Palladium Card earns 3X vs 1X

Travel

Bilt Palladium Card earns 2X vs 1X

Everyday purchases

Bilt Palladium Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Bilt Palladium Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

What You Give Up

Choosing one card means missing out on these benefits from the other.

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Bilt Palladium Card earns more with its 2X base rate.

Choose the Bilt Blue Card if you want solid rewards with a lower cost of entry. Choose the Bilt Palladium Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Bilt Palladium Card worth the higher annual fee?: The Bilt Palladium Card costs $495/yr vs $0/yr for the Bilt Blue Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue Card or Bilt Palladium Card?: The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Bilt Blue Card have that the Bilt Palladium Card doesn't?: The Bilt Blue Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.
Should I get the Bilt Blue Card or the Bilt Palladium Card?: Choose the Bilt Blue Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Bilt Blue Bilt Blue vs Capital One Quicksilver

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Bilt Palladium Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
+Earn 1x points on rent with no transaction fees
+3x points on dining
+2x points on travel
+Double points on Bilt Rent Day (1st of each month)

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
−Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium

−Requires high spending volume to qualify and maintain Palladium status
−1x earn rate on non-bonus categories is below average
−Must use 5x per statement period to earn rent points
−Invitation or qualification required (not openly available)
−Benefits still lag behind premium travel cards from Chase/Amex

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
+Earn 1x points on rent with no transaction fees
+3x points on dining
+2x points on travel
+Double points on Bilt Rent Day (1st of each month)

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
−Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium

−Requires high spending volume to qualify and maintain Palladium status
−1x earn rate on non-bonus categories is below average
−Must use 5x per statement period to earn rent points
−Invitation or qualification required (not openly available)
−Benefits still lag behind premium travel cards from Chase/Amex

Pros & Cons

Pros

+No annual fee
+Earn up to 1.25X points on rent and mortgage with no transaction fees
+4% Bilt Cash on all non-housing spend (stackable with 1X points)
+$100 Bilt Cash welcome bonus with no spending requirement
+Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

+$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
+Earn 1x points on rent with no transaction fees
+3x points on dining
+2x points on travel
+Double points on Bilt Rent Day (1st of each month)

Cons

−Only 1X points on non-housing purchases (below average for flat-rate cards)
−Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
−Most Bilt Cash expires at year-end (only $100 rolls over)
−No bonus categories like dining or travel (those are Obsidian features)
−Fewer card-specific protections than Obsidian or Palladium

−Requires high spending volume to qualify and maintain Palladium status
−1x earn rate on non-bonus categories is below average
−Must use 5x per statement period to earn rent points
−Invitation or qualification required (not openly available)
−Benefits still lag behind premium travel cards from Chase/Amex

Bilt Blue Card vs Bilt Palladium Card

Bilt Blue Card

Bilt Palladium Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Blue Card vs Bilt Palladium Card

Bilt Blue Card

Bilt Palladium Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Bilt Blue Card vs Bilt Palladium Card

Bilt Blue Card

Bilt Palladium Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

What You Give Up

The Bottom Line

Frequently Asked Questions

Related Comparisons

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?