Bilt Palladium — 50,000 Points Sign-Up Bonus (2026 Review)
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- Minimum spend: $4,000 within 3 months of account opening
- Availability: Nationwide
- Annual fee: $495
60 days between approvalspersonal cardsYou wait 60 days after your most recent Cardless approval before you can apply for another Cardless card.
This is a timing rule rather than a cap on how many you can hold, and it replaced the stricter one card per lifetime policy Cardless dropped around May 2025. Several current trackers report it with matching figures. Cardless's own help pages blocked us, so this comes from those trackers rather than from the issuer's own wording.
45 days after a declinepersonal cardsIf Cardless declines you, you wait 45 days before applying for any Cardless card again.
Separate from, and on top of, the 60-day approval gap. The same trackers report both together with identical figures. It is unusual for an issuer to have a published cooldown on denials, so it is worth noting before you try a speculative application.
One card per partner brandpersonal cardsYou can hold only one Cardless card per partner brand at a time, such as one Qatar Airways card.
You cannot hold two of the same product, and you cannot reapply for a card you already have. This is the limit that replaced the old one card per lifetime rule, so holding a card for one brand no longer stops you getting a different brand's card.
Rewards Earning
Key Benefits
- No Foreign Transaction Fees
- Transfer Partners Available
- Travel Portal Redemption
Overview
The Bilt Palladium is currently offering 50,000 Points after $4,000 in purchases within 3 months. It carries a $495 annual fee, with no first-year credits to soften it. Estimated net year-one value: $5 based on a 1¢ per-point valuation.
Pros
Cons
Notes
To hit the $4,000 requirement in 3 months, you need about $1,334 per month in organic spend on this card. Route any predictable monthly bills you'd otherwise pay from a debit card — utilities, groceries, gas, streaming subscriptions — through the Bilt Palladium until you've earned the 50,000 Points bonus. Mind your issuer rules: check the issuer's velocity rules before applying. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
How This Compares
Within Cardless's personal lineup, the closest comparison is the Avianca LifeMiles (40,000 miles after $0/3mo, $99 AF). The Bilt Palladium is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current Bilt Palladium sign-up bonus?
The current bonus is 50,000 Points after spending $4,000 on purchases within 3 months of account opening.
What's the Bilt Palladium annual fee?
The annual fee is $495.
How long does the Bilt Palladium sign-up bonus take to post?
Once you cross the $4,000 spend threshold, the bonus typically posts within 1–2 statement cycles — call it 6–8 weeks from the day you hit the requirement. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Sources (1)
We last checked this against the bank's page on September 26, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.