We have been ready years for 2 issues: the power to earn factors on mortgage funds and the possibility to earn a giant 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 really important welcome bonus now we have ever seen from Bilt, together with new methods to earn Bilt Rewards Factors sooner than ever earlier than.
In reality, you could possibly 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. Word: Provide particulars could not seem through the utility course of, however will likely 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 worthwhile transferable rewards forex out there, due to a wonderful roster of airline and lodge companions and persistently 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 huge 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 worthwhile 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 during 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, it’s also possible to 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, for those who occurred to have $10,000 in spending to do in these first 5 days, you could possibly not solely earn the 50,000-point bonus, however you could possibly earn one other 50,000 factors within the course of.
That is, by far, the largest welcome bonus now we have ever seen from Bilt.
To be eligible for this limited-time provide, you will need to apply via TPG’s unique hyperlink.
In keeping with TPG’s January 2026 valuations, 50,000 Bilt Rewards factors are price as much as $1,100 on their very own. Once you add within the $300 in Bilt Money, which can be utilized inside the Bilt ecosystem for issues like hire and mortgage charge 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 beneficial card presents at the moment out there.
Associated: Greatest welcome presents of the month
Along with the welcome bonus, the cardboard additionally presents the next key advantages:
- $495 annual charge
- $400 annual Bilt Journey lodge credit score (issued as $200 biannually)
- $200 in annual Bilt Money
- Precedence Go 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 you must apply for the Bilt Palladium
Two phrases clarify the enchantment of this card higher than anything: switch companions.
The flexibility 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 packages like Alaska Airways Atmos Rewards, United MileagePlus and World of Hyatt. These companions persistently 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 possibly can 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 at the least 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 might 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 targeted 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 grow 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 at this time, in case the Palladium is not the suitable match for you.
Bilt Obsidian Card
If you’d like a decrease annual charge, the Bilt Obsidian Card sits squarely in the midst of the lineup, providing stronger bonus classes than the no-annual-fee possibility whereas maintaining prices properly beneath the Palladium Card.
Welcome provide: Earn $200 in Bilt Money while you apply and are authorized. As a TPG unique, it’s also possible to 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 embody:
- $95 annual charge
- $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 selection for individuals who spend closely on eating and groceries and need entry to Bilt’s switch companions and not using a excessive annual charge. Its excessive incomes charges in key classes add up rapidly, and it really works properly 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 charge.
Welcome provide: Earn $100 in Bilt Money while you apply and are authorized.
As a TPG unique, it’s also possible to 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 embody:
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 best approach to entry Bilt Rewards with no annual charge, letting you earn transferable factors on hire or mortgage funds and participate in Lease Day promotions. It might additionally work properly as a long-term companion card for a major journey rewards card. Nonetheless, for those who plan to make use of your Bilt card steadily and closely for hire and on a regular basis spending, you could 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 | Predominant welcome provide | TPG unique provide | Annual charge |
|---|---|---|---|
|
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 while 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 while 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 straightforward 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 totally different. They’re tougher to earn at scale, they switch to among the most beneficial loyalty packages out there and they’re persistently price 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. (For those who apply for one of many playing cards at this time, issue within the time it should take to obtain it within the mail. In keeping with the corporate, it should 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 price 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
