Bilt Palladium

Bilt Palladium is worth a look if you will reliably use most of its built-in credits, especially the $400 Bilt Travel hotel credit and the $200 Bilt Cash credit. Those benefits do a lot of the work in justifying the $495 annual fee, and the card adds a respectable return on general purchases plus a strong set of travel and purchase protections.

It is a weaker fit if you prefer simple value without tracking multiple benefits or if you want outsized category bonuses. The rewards rate is useful, but this is not the kind of premium card that sells itself on earning alone. If the hotel credit, Lyft perks, and other monthly or annual credits match how you already spend, the card can make sense. If not, the annual fee becomes much harder to defend.