Compare up to 4 cards

2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	Bilt Blue Card Cardless · No annual fee	Bilt Palladium Card Cardless · $495/yr
Annual fee	$0 Lowest	$495
Welcome offerCurrent public offer	$100 in rewards	50,000 points
Rewards	Bilt Points	Bilt Points
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard
Earn ratesPer $1 spent
Travel	1x	2x Highest
Mortgage	1.25x	1.25x
Rent	1.25x	1.25x
Everything else	1x	2x Highest
Statement creditsAs the issuer states them · — means none on record
Travel	—	$400 hotel credit
Shopping & wellness	—	$200 Bilt Cash
Perks & access— means none on record
Lounges	—	Priority Pass Airport Lounge Access
Other perks	No foreign transaction fees	—
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Trip Delay
Rental car	Secondary rental car collision damage waiver	MasterRental Coverage
Purchase & returns	$1,000 purchase protection per item for 90 days	Purchase Assurance · up to $1,000 Price Drop Protection · up to $250
Cell phone	Up to $800 cell phone protection per claim	Cellular Wireless Telephone Protection · up to $800
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 20+ 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 up to 1.25X points on rent and mortgage with no transaction fees 2X points on all everyday purchases 50,000 points + $300 Bilt Cash welcome bonus (highest among Bilt cards) Transferable points to major airline and hotel partners
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 No card-level bonus categories beyond the 2X flat rate (headline multipliers are membership-inclusive composites) Housing multiplier (up to 1.25X) depends on everyday-spend tiers or Bilt Cash redemption Benefits still lag behind premium travel cards from Chase/Amex
	Card details	Card details

Bilt Blue Card
Cardless · No annual fee
Bilt Palladium Card
Cardless · $495/yr

Overview

Annual fee: Bilt Blue Card
$0
Lowest
Bilt Palladium Card
$495
Welcome offerCurrent public offer: Bilt Blue Card
$100 in rewards
Bilt Palladium Card
50,000 points
Rewards: Bilt Blue Card
Bilt Points
Bilt Palladium Card
Bilt Points
Foreign transaction fee: Bilt Blue Card
None
Bilt Palladium Card
None
Network: Bilt Blue Card
Mastercard World Elite
Bilt Palladium Card
Mastercard

Earn ratesPer $1 spent

Travel: Bilt Blue Card
1x
Bilt Palladium Card
2x
Highest
Mortgage: Bilt Blue Card
1.25x
Bilt Palladium Card
1.25x
Rent: Bilt Blue Card
1.25x
Bilt Palladium Card
1.25x
Everything else: Bilt Blue Card
1x
Bilt Palladium Card
2x
Highest

Statement creditsAs the issuer states them · — means none on record

Travel: Bilt Blue Card
—
Bilt Palladium Card
$400 hotel credit
Shopping & wellness: Bilt Blue Card
—
Bilt Palladium Card
$200 Bilt Cash

Perks & access— means none on record

Lounges: Bilt Blue Card
—
Bilt Palladium Card
Priority Pass Airport Lounge Access
Other perks: Bilt Blue Card
No foreign transaction fees
Bilt Palladium Card
—

Protections & insuranceLimits where published · — means none on record

Trip insurance: Bilt Blue Card
—
Bilt Palladium Card
Trip Delay
Rental car: Bilt Blue Card
Secondary rental car collision damage waiver
Bilt Palladium Card
MasterRental Coverage
Purchase & returns: Bilt Blue Card
$1,000 purchase protection per item for 90 days
Bilt Palladium Card
Purchase Assurance · up to $1,000
Price Drop Protection · up to $250
Cell phone: Bilt Blue Card
Up to $800 cell phone protection per claim
Bilt Palladium Card
Cellular Wireless Telephone Protection · up to $800

Pros & cons

Pros: Bilt Blue Card
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 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
Bilt Palladium Card
$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
Earn up to 1.25X points on rent and mortgage with no transaction fees
2X points on all everyday purchases
50,000 points + $300 Bilt Cash welcome bonus (highest among Bilt cards)
Transferable points to major airline and hotel partners
Cons: Bilt Blue Card
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
Bilt Palladium Card
Requires high spending volume to qualify and maintain Palladium status
No card-level bonus categories beyond the 2X flat rate (headline multipliers are membership-inclusive composites)
Housing multiplier (up to 1.25X) depends on everyday-spend tiers or Bilt Cash redemption
Benefits still lag behind premium travel cards from Chase/Amex

Card details

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