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We have been ready years for 2 issues: the power to earn factors on mortgage funds and the prospect to earn an enormous welcome bonus on a Bilt bank card.
Now, each are lastly right here.
Bilt has launched three new bank cards: the Bilt Blue Card (see charges and charges), the Bilt Obsidian Card (see charges and charges) and — my favourite — the brand new top-tier Bilt Palladium Card (see charges and charges). With this refresh comes the primary actually important welcome bonus we now have ever seen from Bilt, together with new methods to earn Bilt Rewards Factors quicker than ever earlier than.
In actual fact, you would earn as much as 100,000 bonus Bilt factors with $10,000 in fast spending by stacking the brand new welcome provide with a TPG unique. To be eligible for this limited-time provide, you will need to apply via TPG’s unique hyperlink. Be aware: Supply particulars might not seem through the software course of, however shall be mirrored in your Bilt account after card activation on February 7.
This issues as a result of Bilt Rewards factors are probably the most beneficial transferable rewards forex obtainable, due to a superb roster of airline and lodge companions and constantly high-value redemption alternatives.
Beneath, we break down the present welcome presents on all three Bilt bank cards and clarify which one may take advantage of sense for you.
Bilt Palladium Card: First large bonus ever for a Bilt bank card
The Bilt Palladium Card is Bilt’s new premium providing and probably the most compelling card within the lineup for anybody seeking to earn numerous beneficial transferable factors in a rush.
Apply right here to earn as much as 100,000 bonus factors: Bilt Palladium Card
To be eligible for this limited-time provide, you will need to apply via TPG’s unique hyperlink.
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Because of the newly launched provide, new Bilt Palladium Card holders can earn 50,000 bonus factors and Bilt Gold standing (via the remainder of the calendar 12 months through which it was earned and the next calendar 12 months) after spending $4,000 on purchases within the first three months from account opening.
Moreover, cardholders obtain $300 in Bilt Money upon approval. And as a TPG unique, you may as well earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors). So, in the event you occurred to have $10,000 in spending to do in these first 5 days, you would not solely earn the 50,000-point bonus, however you would earn one other 50,000 factors within the course of.
That is, by far, the most important welcome bonus we now have ever seen from Bilt.
To be eligible for this limited-time provide, you will need to apply via TPG’s unique hyperlink.
In accordance with TPG’s January 2026 valuations, 50,000 Bilt Rewards factors are value as much as $1,100 on their very own. Once you add within the $300 in Bilt Money, which can be utilized throughout the Bilt ecosystem for issues like hire and mortgage payment waivers, the entire worth of this provide is available in at as much as $1,400.
That doesn’t even issue within the added worth of Bilt Gold standing or the power to earn an outsized variety of factors within the first 5 days of card membership.
At greater than $1,400 in whole worth, this welcome bonus simply lands among the many most respected card presents at the moment obtainable.
Associated: Finest welcome presents of the month
Along with the welcome bonus, the cardboard additionally presents the next key advantages:
- $495 annual payment
- $400 annual Bilt Journey lodge credit score (issued as $200 biannually)
- $200 in annual Bilt Money
- Precedence Move lounge membership
And the cardboard earns:
- 2 factors per greenback spent on on a regular basis spending
- As much as 1 level per greenback spent on hire and mortgage funds
- 4% Bilt Money earned on on a regular basis spending (can be utilized to waive hire and mortgage transaction charges, amongst different redemptions)
Why it’s best to apply for the Bilt Palladium
Two phrases clarify the attraction of this card higher than the rest: switch companions.
The power to earn as much as 1 level per greenback spent on hire and mortgage funds is thrilling, particularly since Bilt Money can be utilized to offset transaction charges. However even with out the tie-in to hire and mortgage funds, the Bilt Palladium would nonetheless be a standout premium card.
That’s as a result of Bilt Rewards factors switch 1:1 to applications like Alaska Airways Atmos Rewards, United MileagePlus and World of Hyatt. These companions constantly provide high-value redemptions, which is why Bilt factors are at the moment valued at 2.2 cents every (per our January 2026 valuations).
Associated: Do not make a mistake: You may pay 7,500 miles or 50,000 factors for a similar flight
The closest on a regular basis incomes comparability amongst premium playing cards is the Capital One Enterprise X Rewards Credit score Card, which earns not less than 2 factors per greenback spent on all purchases. Nonetheless, Capital One miles are at the moment valued at 1.85 cents every (per our January 2026 valuations), giving the Bilt Palladium a transparent edge on on a regular basis spending.
To place that distinction into real-world phrases, transferring Bilt factors to World of Hyatt can unlock substantial worth. On some dates, as few as 63,000 factors are sufficient for a three-night keep on the beachfront Hyatt Regency Maui Resort and Spa. Most of these factors may come immediately from the welcome bonus alone.
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View from the Hyatt Regency Maui. CLINT HENDERSON/THE POINTS GUY
Whether or not you might be centered on maximizing on a regular basis spending, incomes factors on hire or mortgage funds, or constructing a stash of transferable factors for premium journey, the Bilt Palladium Card has the potential to turn out to be a long-term staple in lots of wallets.
Apply right here: Bilt Palladium Card
There are two different Bilt playing cards additionally launching right this moment, in case the Palladium is not the appropriate match for you.
Bilt Obsidian Card
If you’d like a decrease annual payment, the Bilt Obsidian Card sits squarely in the midst of the lineup, providing stronger bonus classes than the no-annual-fee possibility whereas holding prices nicely under the Palladium Card.
Welcome provide: Earn $200 in Bilt Money whenever you apply and are authorized. As a TPG unique, you may as well earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors).
Key advantages embrace:
- $95 annual payment
- $100 annual Bilt Journey lodge credit score (issued as $50 biannually)
- Cellphone safety
As for the incomes charges, the cardboard earns you:
- 3 factors per greenback spent on eating and groceries (as much as $25,000 per 12 months)
- 2 factors per greenback spent on journey
- As much as 1 level per greenback spent on hire and mortgage funds, and on a regular basis spending
- 4% Bilt Money earned on on a regular basis spending (can be utilized to waive hire and mortgage transaction charges)
The Obsidian Card is a strong alternative for individuals who spend closely on eating and groceries and need entry to Bilt’s switch companions with no excessive annual payment. Its excessive incomes charges in key classes add up shortly, and it really works nicely for renters or owners who need to earn factors on housing funds with out paying for premium perks.
Apply right here: Bilt Obsidian Card
Bilt Blue Card
The Bilt Blue Card is the entry-level possibility within the lineup and the one card with no annual payment.
Welcome provide: Earn $100 in Bilt Money whenever you apply and are authorized.
As a TPG unique, you may as well earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors). To be eligible for this limited-time provide, you will need to apply via TPG’s unique hyperlink.
Key advantages embrace:
And the cardboard earns:
- As much as 1 level per greenback spent on hire and mortgage funds
- 1 level per greenback spent on on a regular basis spending
- 4% Bilt Money earned on on a regular basis spending (can be utilized to waive hire and mortgage transaction charges)
The Blue Card is the simplest method to entry Bilt Rewards with no annual payment, letting you earn transferable factors on hire or mortgage funds and participate in Lease Day promotions. It will possibly additionally work nicely as a long-term companion card for a main journey rewards card. Nonetheless, in the event you plan to make use of your Bilt card often and closely for hire and on a regular basis spending, chances are you’ll come out additional forward with one of many higher-tier playing cards.
Apply right here: Bilt Blue Card
Comparability of Bilt bank card welcome presents
| Card | Major welcome provide | TPG unique provide | Annual payment |
|---|---|---|---|
|
Earn 50,000 bonus factors and Bilt Gold standing after spending $4,000 on purchases within the first three months from account opening. Moreover, cardholders obtain $300 in Bilt Money upon approval. |
Additionally earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors). |
$495 |
|
|
Earn $200 in Bilt Money whenever you apply and are authorized. |
Additionally earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors). |
$95 |
|
|
Earn $100 in Bilt Money whenever you apply and are authorized. |
Additionally earn 5 factors per greenback spent on purchases (excluding hire and mortgage funds) for the primary 5 days (as much as 50,000 bonus factors). |
None |
To be eligible for TPG’s limited-time provide, you will need to apply via TPG’s unique hyperlink.
Backside line
In a world of 100,000- and 200,000-point welcome bonuses, it will be simple to miss simply how significant a 50,000-point Bilt bonus actually is (earlier than factoring within the TPG unique portion of the provide).
However Bilt factors are completely different. They’re more durable to earn at scale, they switch to a few of the most respected loyalty applications obtainable and they’re constantly value greater than 2 cents every when used with switch companions. Once you mix that with the power to earn factors on hire and mortgage funds, this new lineup turns into genuinely compelling. (In the event you apply for one of many playing cards right this moment, issue within the time it’s going to take to obtain it within the mail. In accordance with the corporate, it’s going to activate all Bilt Card 2.0s on Feb. 7.)
I’m completely making use of for the Bilt Palladium Card. Between the welcome bonus, the on a regular basis spending incomes charge and the power to place my mortgage on the cardboard for much more factors, including the cardboard to my pockets is a no brainer. The welcome bonus, plus different points-earning alternatives from the cardboard, will deliver me a lot nearer to my subsequent Hyatt keep, business-class flight or no matter tempting Lease Day switch bonus Bilt rolls out subsequent.
Apply right here: Bilt Palladium Card
Apply right here: Bilt Obsidian Card
Apply right here: Bilt Blue Card
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