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Cardless (Bilt)
Bilt Palladium Card
MileagePlus®Aeroplan®Priority Pass (cardholder + authorized users); $400 Bilt Travel hotel credit ($200 twice a year); $200 annual Bilt Cash; 4% Bilt Cash on no…
Annual fee $495
Apply75,000miles/yr
Net value+$630
Rank#10 of 26
Earn by category
Miles a year · total 74,900Earn rules
| Category | Conditions | Rate | Monthly cap |
|---|---|---|---|
| Base earn | 2 mi / $1 | ||
| Dining & cafés | Bilt Dining partner restaurants (up to 5x)calculated as 5% of this category | 5 mi / $1 | None |
| Transport & fuel | Lyft rides (after linking accounts)calculated as 10% of this category | 4 mi / $1 | None |
| Travel & airfare | Flights booked through Bilt Travel, portal onlycalculated as 5% of this category | 3 mi / $1 | None |
| Travel & airfare | Hotels booked through Bilt Travel, portal onlycalculated as 5% of this category | 4 mi / $1 | None |
| Everything else | Walgreens (3x+, per Doctor of Credit)calculated as 3% of this category | 3 mi / $1 | None |
- Earns Bilt Points; calculated at 1 points = 1 mile
- Sign-up bonus: 50,000 miles · 50,000 Bilt Points and Bilt Gold status after $4,000 in purchases (excluding rent and mortgage) within 90 days. There is also $300 in Bilt Cash on approval (no…
- 1 mile ≈ 1.5¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.
Where these miles go
This card earns or transfers to these programs.
MileagePlus®United Airlines · 1 mile ≈ 1.2¢
Aeroplan®Air Canada · 1 mile ≈ 1.5¢Used in your result
Verified 2026-10-23 · Cardless (Bilt) disclosure·Report an error