August 31, 2026
Is the Bilt Palladium Card Worth It? A Six-Month Review of Bilt 2.0
Episode Description
Six months ago, Bilt rebuilt its entire rewards program, including releasing the new premium Palladium card with its promise of earning transferable points on rent and even mortgage payments, drawing a lot of attention in the points world. Today we are following up on what it’s actually been like to carry and use the Bilt Palladium card now that the shine has worn off and real life has set in.
Kelly and I have almost identical points philosophies, which is exactly why it’s so much fun that Bilt is where we split. She loves this card without reservation. I have a full love-hate relationship with mine, and over the course of the conversation we get into why, where the card has delivered, where it quietly drives me up a wall, and how two people who want the same things from points can land in such different places on the same card.
Whether you already carry a Bilt card, you’re weighing whether the Palladium belongs in your wallet, or you just enjoy hearing two friends disagree in good faith. I think you’ll come away with a much clearer sense of who this card is for, and whether that’s you.
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
- What it’s like to earn points on rent and mortgage payments, six months in
- Why the same card can feel like a dream to one person and a frustration to another
- How Bilt Cash works in practice, and where it creates value versus wasted potential
- Why Bilt’s transfer bonuses have changed how even cautious users move their points
- How Bilt’s upfront caps and guardrails compare to the back-end devaluations of the big banks
- Which type of spender and lifestyle the Bilt Palladium card serves best
Featured On the Show
- Kelly, The Points & Miles Doc Website
- Follow me on Instagram
- Ep 151: Bilt’s 3 New Cards: A Complete Analysis & Strategy Guide
- Get on the waitlist for the Points Made Easy Course here!
- If you have any questions or you want me to dive deeper into a specific topic, email me here: podcast@pointmetofirstclass.com
Click here to download the 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.
