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