January 19, 2026
Bilt’s 3 New Credit Cards 2026: Complete Breakdown & Comparison
Episode Description
Have you ever wondered if earning points on your mortgage or rent is actually worth the math? Or whether a card that earns two times points on everything can really compete with what you’re already holding?
Bilt just released three brand new credit cards, and they’re more complex than any card launch I’ve seen in a while. This isn’t just about welcome bonuses and bonus categories— there’s an entirely new internal currency called Bilt Cash, along with processing fees to calculate, and real formulas you need to run to figure out if any of these cards make sense for your situation.
In this episode, I’m joined by Kelly, the Points and Miles Doc, to break down all three new Bilt cards: the no annual fee Bilt Blue, the $95 Bilt Obsidian, and the $495 Bilt Palladium. We analyze the welcome bonuses, points earning structures, and how each card compares to its closest competitors. We walk through the Bilt Cash system, explain exactly how much you’d need to spend to earn points on housing payments without paying fees, and discuss who these cards actually benefit. We also share why we both applied for the Bilt Palladium within hours of its release and what makes Bilt’s transfer partners worth paying attention to.
Turn your expenses into points and save tens of thousands of dollars a year on your wishlist travel. Don’t miss out! Click here to know more about my comprehensive online program, Points Made Easy.
What You’ll Learn from this Episode
- Which Bilt card makes sense based on spending patterns and housing costs
- How Bilt Cash works and what it means for earning points on housing payments
- The formula to calculate spend needed to earn points on rent or mortgage fee-free
- Why Bilt Palladium’s two-times points competes directly with Capital One Venture X
- How Bilt’s transfer partners and status create unique value in the market
- Why Bilt Gold status matters for Rakuten earning rates after May 2026
Featured On the Show
- Follow me on Instagram
- Get on the waitlist for the Points Made Easy Course here!
- Get My Cash-Back Credit Card Cheat Sheet!
- If you have any questions or you want me to dive deeper into a specific topic, email me here: podcast@pointmetofirstclass.com
- Kelly, The Points & Miles Doc Website
- Ep 147. 2025 Points and Miles in Review with Kelly, The Points & Miles Doc
Click here to download full episode transcript
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Point Me to First Class is the show for professionals and business owners with higher-than-average personal or business expenses, who want to learn to leverage these expenses into credit card points they can spend on travel.
Each week, I share valuable tips, tools, and strategies to help you uplevel your skills earning and redeeming credit card points, so you can expand your travel and expand your experiences.
