Earn rates, as stated
5Xup toBilt diningIssuer wording: up to 5X
4XHotels through Bilt Travel
4XLyft
3XFlights through Bilt Travel
2XAll everyday purchases
1.25Xup toRent/mortgage/HOA (no transaction fee)Issuer wording: up to 1.25X
Credits, as stated
$600 / yr if fully usedBilt CashPage states up to $100 rolls over yearly.$200 annual, deposited automatically at account opening then each January 1annual
Bilt Travel Hotel creditPage states a 2-night minimum stay applies.$400 annual, distributed as $200 semi-annuallysemi-annual
Priority Pass lounge access1,300+ airportsongoing
Welcome offer, as stated by the issuer
50,000 Bilt Points + Gold status after $4,000 in non-housing purchases in the first 90 days from account opening, plus $300 in Bilt Cash upon approvalas of 2026-08-29
- biltrewards.com redirects to bilt.com (301); both are treated as the issuer's own domain.
- Network name differs across fetched pages: the /card overview page's footer referenced general Mastercard licensing and the tier page (/card/palladium) explicitly states 'World Legend Mastercard' for this tier specifically (a step above the 'World Elite Mastercard' used for Blue/Obsidian) — used the tier-specific page's more precise wording.
- Foreign transaction fee was not stated on the /card/palladium fetch (unlike Blue and Obsidian, which explicitly say 'no foreign transaction fees'); set to null rather than assume parity with the other two tiers. Note: third-party reporting (Doctor of Credit, Frequent Miler, threads.com) describes a since-acknowledged 0.2% Mastercard foreign transaction fee issue affecting all Bilt 2.0 tiers in early 2026 that Bilt called unintended and said would be refunded — this is reported by third parties, not confirmed on the fetched issuer page, so it is not used to fill the field, only noted here.
- Overview page additionally mentions a general '4% back in Bilt Cash on everyday spend' for Palladium not explicitly restated on the tier page.