Bilt Palladium review
A strong pick if you spend a lot on online shopping, wholesale clubs and drugstores, where it's among the top three of the 106 cards we track.
- Updated October 17, 2026
- $495 annual fee
- Earns Bilt points
- 106 cards compared
Who it suits
Bilt Palladium
- #1 of 106 for online shopping: $3.00 back on $100 (3%).
- #1 of 106 for wholesale clubs: $3.00 back on $100 (3%).
- #3 of 106 for drugstores: $3.00 back on $100 (3%).
- Earns $3.00 back on every $100, #1 of 106 for purchases outside any bonus category.
- At Lyft: $6.00 back on $100 (6%).
- It costs $495 a year, and American Express Blue Business Plus, with no annual fee, earns as much or more on everything else right now.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on everything elseWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $3.00 3% | #20 of 106 |
| Groceries | $3.00 3% | #12 of 106 |
| Gas | $3.00 3% | #9 of 106 |
| Travel | $3.00 3% | #5 of 106 |
| Airfare | $3.00 3% | #13 of 106 |
| Hotels | $3.00 3% | #10 of 106 |
| Transit | $3.00 3% | #9 of 106 |
| Streaming | $3.00 3% | #5 of 106 |
| Drugstores | $3.00 3% | #3 of 106 |
| Online shopping | $3.00 3% | #1 of 106 |
| Wholesale clubs | $3.00 3% | #1 of 106 |
| Everything else | $3.00 3% | #1 of 106 |