Bilt Palladium Card
The Bilt Palladium Card from First Electronic Bank earns up to 2% effective value on dining in Madeen's catalog snapshot. Its annual fee is $495. New applicants may see: 50,000 Bilt Points as a sign-up bonus and Gold Status After you spend $4,000 on purchases (excluding rent or mortgage) in your first 3 months and $300 of Bilt Cash. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $495
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Bilt Palladium Card earn in each category?
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 29% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 2% Top category |
| Grocery Supermarkets and grocery stores | 2x points | 2% |
| Gas Gas stations and fuel | 2x points | 2% |
| Travel Flights, hotels, transit | 2x points | 2% |
| Other General everyday spend | 2x points | 2% |
Madeen values Bilt Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Bilt Palladium Card?
The Bilt Palladium Card fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Bilt Palladium Card fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 29% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement. Travel perks may add value beyond the earn rate.
Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $495 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 2% effective (2x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
- Includes travel or statement credits in our benefits snapshot.
Cons
- $495 annual fee requires enough spend in bonus categories to offset.
- Bilt Points value depends on how you redeem, not straight cash back.
Does the Bilt Palladium Card have an annual fee, and what's the welcome bonus?
The Bilt Palladium Card has an annual fee of $495 and a foreign transaction fee of None. New applicants may see: 50,000 Bilt Points as a sign-up bonus and Gold Status After you spend $4,000 on purchases (excluding rent or mortgage) in your first 3 months and $300 of Bilt Cash. Confirm current issuer terms before applying.
- Annual fee
- $495
- Foreign transaction fee
- None
- Signup bonus
- 50,000 Bilt Points as a sign-up bonus and Gold Status After you spend $4,000 on purchases (excluding rent or mortgage) in your first 3 months and $300 of Bilt Cash
What travel perks does the Bilt Palladium Card include?
The Bilt Palladium Card includes Lounge access, $200 of Bilt Cash, $400 Bilt Travel Hotel credit, Cellular Wireless Telephone Protection in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Lounge accessPriority Pass (worth $469/year)
What benefits come with the Bilt Palladium Card?
- $200 of Bilt Cash
Awarded annually. Up to $100 of Bilt Cash rolls over into the next calendar year.
- $400 Bilt Travel Hotel credit
Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings
- Cellular Wireless Telephone Protection
Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.
- Dining accessIncluded with World Legend Mastercard
Enjoy access to dining experiences and reservations at coveted restaurants.
- Global emergency servicesIncluded with World Legend Mastercard
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Legend Mastercard
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Legend Mastercard
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
- LyftIncluded with World Legend Mastercard
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.5* Plus, save 10% on all scheduled rides to or from U.S. airports. Offer expires 1/31/2027.
Common questions about the Bilt Palladium Card
Does the Bilt Palladium Card have an annual fee?
The Bilt Palladium Card carries an annual fee of $495 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Bilt Palladium Card?
Dining is the strongest Madeen category for the Bilt Palladium Card at about 2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Bilt Palladium Card charge foreign transaction fees?
The Bilt Palladium Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Bilt Palladium Card welcome bonus?
The Bilt Palladium Card welcome offer in our snapshot: 50,000 Bilt Points as a sign-up bonus and Gold Status After you spend $4,000 on purchases (excluding rent or mortgage) in your first 3 months and $300 of Bilt Cash. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Bilt Palladium Card annual fee worth it?
Whether the $495 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Bilt Palladium Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bilt Palladium Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Bilt Palladium Card compare to similar cards?
Compare the Bilt Palladium Card against Brooks Brothers World Mastercard (4% on Dining, $0 fee); Qatar Airways Privilege Club Infinite (3.8% on Dining, $499 fee); Bilt Obsidian Card (3% on Dining, $95 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bilt Palladium Card This card | Dining | 2% | $495 |
First Electronic Bank | Dining | 4% | $0 |
First Electronic Bank | Dining | 3.8% | $499 |
First Electronic Bank | Dining | 3% | $95 |
First Electronic Bank | Dining | 3% | $0 |
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