• $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings
• $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
• Welcome  bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
• Priority Pass ($469/year value). See Guide to Benefits.
• Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down  payment on a home, and more.
• Earn additional points through Bilt Neighborhood Benefits™ when you use your Palladium Card at Bilt's network of 50,000+ merchants

The best way to maximize your Bilt Points is to redeem them for travel. That's what we're all here for, isn't it?

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[.dontreco] We don’t recommend: Redeeming for Bilt's "Everyday Rewards" [.dontreco]

While you can redeem your points for gift cards, Amazon.com, fitness classes, Lyft rides, or for Bilt's home design collection, these options simply don't provide the best value.

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[.sometimesreco] We sometimes recommend: Using the Bilt Travel Portal [.sometimesreco]

You can redeem your points for flights, hotels and Blade helicopter rides through Bilt Travel Portal, which can be helpful if you can't find award space with transfer partners. However, you're only getting a fixed 1.25 cents apiece, and you can usually get much better value than this when transferring to travel partners.

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[.alwaysreco] We always recommend: Using transfer partners to stretch your points. [.alwaysreco]

The bottom line is that transferring your Bilt points to their fantastic lineup of airline and hotel partners yields the greatest value.

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If you’re the kind of person who hates category optimization, this card could be a good card for you. You’re earning up to 1.25x on rent and mortgage, plus points on everyday purchases. You also have the option to earn Bilt Cash on everyday spend, which adds up quickly if you put real spend on one card.

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Here’s a good rule of thumb: You probably shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.

The Bilt Palladium Card generally requires an excellent credit score for approval.