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 unlimited 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.

Between the hotel credit in the Bilt Travel portal (split semi-annually) and annual Bilt Cash, you’ve got a clear path to covering the annual fee. Add Priority Pass, no foreign transaction fees, and a solid welcome offer, and it’s very clearly aimed at someone who wants a premium card that feels pretty effortless. Honestly, if you’re already paying rent or a mortgage and you spend a decent amount each month on normal life (groceries, random Amazon orders, dinners out, etc), the Palladium can be a one-card setup, which is rare in the the premium-card space.