Bilt Palladium
Wells Fargo
Bilt Palladium
Offer Strength
Great offer$300 above typical value
Show breakdown
Estimated bonus value: ~$800
Base score: 62
Hotel boost: +15
Ongoing hotel value (conservative): ~$360
• $600 annual credits
Current $800 vs typical $500
Net value after annual fee: ~$665
Estimate based on our value hints; not financial advice.
Annual Fee
$495/yr
Bilt Palladium
Welcome Offer
Earn 50,000 bonus points plus $300 in Bilt Cash after spending $4,000 on non-housing purchases in the first 3 months
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
2x on every non-rent purchase
1x on rent (no fees)
Must use card 5 times per statement to earn points
Key benefits
Earn points on rent payments with no transaction fees
Earn points on rent payments with no transaction fees
2x on every non-rent purchase
2x on every non-rent purchase
Transfer points to 15+ airline/hotel partners
Transfer points to 15+ airline/hotel partners
Bilt Rent Day perks on the 1st of each month
Bilt Rent Day perks on the 1st of each month
No foreign transaction fees
No foreign transaction fees
Perks
Rent Day: double points, exclusive offers
Rent Day: double points, exclusive offers
Priority Pass lounge access
Priority Pass lounge access
Transfer to Hyatt, AA, United, Air Canada, etc.
Transfer to Hyatt, AA, United, Air Canada, etc.
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$600 in statement credits per year
$400/year Bilt Travel hotel credit (2x $200 semiannual) + $200/year Bilt Cash. Priority Pass lounge access with 2 guests.
Annual Fee Breakeven
Good fit for
About this card
The Wells Fargo Bilt Palladium is a hotel rewards card with a $495 annual fee. New cardholders can earn 50,000 points after spending $4,000 in 90 days.
Best for
frequent travelers, hotel loyalty members
Key considerations
The $495 annual fee is premium — evaluate ongoing benefits carefully.
Card analysis
Offer analysis
The current offer on the Bilt Palladium awards 50,000 points after spending $4,000 within 90 days of account opening.
Annual fee value
The $495 annual fee is more than offset by ongoing benefits including annual statement credits ($600), with an estimated total value of ~$600 per year.
In the first year, the sign-up bonus alone delivers approximately $905 in net value after the annual fee and benefit credits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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