Quick Verdict The Challenge: Costco warehouses only accept Visa in-store and categorize spending under "warehouse clubs" rather than "groceries," resulting in low rewards rates on major purchases. The Accelerator: The Bilt Palladium Card offers a baseline 2X Bilt Points on everyday spend. Redeeming $200 in Bilt Cash unlocks the Bonus Point Accelerator, adding +1X bonus point per dollar on up to $5,000 in spending (bringing the earning rate to 3X Bilt Points/$1). The Online Wo

The Bilt Palladium Card Quick Verdict Welcome Offer Value: Includes 50,000 bonus Bilt Points (valued at $1,000+) after spending $4,000 in 3 months, plus $300 in immediate Bilt Cash and automatic Bilt Gold status. Mortgage Rewards Game-Changer: Earn 0.5x to 1.25x points on mortgage payments without transaction fees, scaled based on your non-housing spending ratio. Everyday Catch-All: Offers a flat 2x Bilt Points per dollar on all non-housing purchases, with the option to earn

Bilt 2.0 Credit Cards For years, Bilt Rewards was the "cheat code" for renters—the only way to earn travel points on your largest monthly expense without losing 3% to transaction fees. On February 7, 2026, the game changed forever. Bilt 2.0 Rewards has officially launched, transforming from a single "rent card" into a comprehensive housing and lifestyle ecosystem. Whether you’re a lifelong renter or a homeowner with a mortgage, the new rules are more powerful but require a st