Top Bilt Cards

The Bilt Palladium Card is one of those rare premium cards that’s not trying to bribe you into loving it with a million confusing perks. If you’re the kind of person who hates category optimization (or just doesn’t want to be doing mental math), this card could be a good option for you. You’re earning up to 1x on rent and mortgage, plus points on everyday purchases, and you’re also earning Bilt Cash on everyday spend, which adds up quickly if you put real spend on one card.

The Bilt Obsidian Card feels like the “adult” version of what most people want from a rewards card with strong everyday earning, a reasonable annual fee, and perks that match your spending habits. It’s not trying to be the fanciest card in your wallet, but it could easily be the one you use the most. The big draw here is that it keeps the most important Bilt perk with up to 1x on rent and mortgage with no transaction fee. But unlike the no-fee option, Obsidian gives you a real reason to put everyday spend on it too, especially if your monthly budget is basically food, errands, travel (which… same).

The Bilt Blue Card is the simplest one in the lineup. Sometimes you just want something straightforward that earns valuable points without asking you to pay an insane annual fee. With the Bilt Blue Card, you still get the headline feature that makes Bilt… Bilt: up to 1X points on rent and mortgage payments with no transaction fee. That’s huge, because most rewards cards either can’t do that at all or make it annoying and expensive. Blue is basically the on-ramp for people who want to start earning points from their biggest monthly expense without committing to a pricey annual fee.