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