Bilt Palladium vs Bilt Obsidian
By Quy Dinh · Updated Oct 24, 2026
The short answer
The Palladium if you’ll put most of your spending on it: 2x on everything, Priority Pass and $400 in hotel credits justify the $495. The Obsidian if you mostly want rent points and one bonus category: 3x on dining or groceries for $95.
Choose carefully: Bilt gives one welcome bonus per person across its new cards, and only the Palladium’s includes points.
Pick the Bilt Palladium if
- Most of your spending can go on one card
- You’d use Priority Pass and Bilt Travel hotel stays
- You want the 50,000-point welcome bonus
Pick the Bilt Obsidian if
- Your biggest spending is dining or groceries
- You want a $95 card for rent points
- You don’t need lounge access
Side by side
| Feature |  Bilt · Cardless |  Bilt · Cardless |
|---|---|---|
| In one line | For renters and homeowners who’ll run most of their spending through one card: 2x on everything, points on rent or mortgage, Priority Pass and $400 in hotel credits for $495. | A $95 card for renters who eat out or cook a lot: 3x on dining or groceries, points on rent with no fee, and Bilt’s transfer partners. |
| Annual fee | $495 | $95 |
| Statement credits | Up to $400 a year in 2 credits | Up to $100 a year in 1 credits |
| How it earns |
|
|
| Lounge access | Priority Pass membership | None |
| Welcome offer | 50,000 points and Bilt Gold status after you spend $4,000 on purchases (not rent or mortgage) in your first 90 days, plus $300 of Bilt Cash when you’re approved. | $200 of Bilt Cash when you’re approved, with no spending required. There’s no points bonus. |
| Counts toward Chase 5/24 | Yes | Yes |
Credits are counted at their full cash value; see each card’s page for how each one works and which need activation. Offers change; the bank’s page has the current one.
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