Bilt Palladium Card
First Electronic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Electronic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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.
- Top category
- Dining
- Effective value
- 2%
- Annual fee
- $495
Best for dining-heavy spend when the $495 fee fits your usage; confirm issuer terms before applying. 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.
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 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bilt Palladium Card compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 2% effective value (2x points at about 1 cents each). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bilt Palladium Card compares across dining, grocery, gas, travel, and other spend.
| 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 59% 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.
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.
What is the Bilt Palladium Card welcome bonus?
In Madeen's catalog snapshot, the Bilt Palladium Card welcome offer is 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 — confirm on the issuer.
- Offer
- 50k Bilt Points (~$500 estimated)
- Terms (catalog 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
- $4,000
- Window
- 3Months
Does the Bilt Palladium Card have an annual fee?
The Bilt Palladium Card has an annual fee of $495 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $495
- Foreign transaction fee
- None
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.
Lounge access
Priority Pass (worth $469/year)
What benefits come with the Bilt Palladium Card?
Lyft
$1,440/yrMore 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.
Purchase Assurance
$1,000/yrMost items you purchase entirely with your covered card are covered if damaged or stolen within 90 days from the date of purchase as indicated on your covered card’s receipt.
Cellular Wireless Telephone Protection
$800/yrReimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.
$400 Bilt Travel Hotel credit
$400/yrApplied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit locations.
Mastercard Concierge
$150/yrA complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.
Instacart
$140/yrGroceries 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.
$200 of Bilt Cash
$100/yrAwarded annually. Up to $100 of Bilt Cash rolls over into the next calendar year.
Priority Pass Airport Lounge Access
$99/yrEligible cardholders will enjoy complimentary lounge membership for them and up to two guests.For additional guests above two, the Cardholder will be charged $35 per guest per lounge visit.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.
Trip Delay
$35/yrIf you are delayed more than six (6) hours while traveling to your destination or return destination, we will reimburse you for travel expenses as a result of the delay.
Related encyclopedia topics
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.
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.
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.
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. Compare effective rates across the cards you already carry in Madeen.
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.
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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First Electronic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Electronic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure