Credit calendar

Bilt Palladium Card credits

Every recurring credit on the Bilt Palladium Card, with the cap, cycle and reset date that decide whether you actually capture it.

Card terms last verified against issuer pages on 2026-09-20.

The short answer

The Bilt Palladium Card carries 3 recurring statement credits worth $720 a year. 1 reset on the calendar year and expire on 31 December; 2 reset on your account anniversary. 1 are capped monthly and cannot be carried forward.

$720face value a year, against a $495 fee

1expire on 31 December

1capped monthly or quarterly, so they cannot be carried forward

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$400 Bilt Travel Hotel Credit $400 annual Bilt Travel Hotel credit distributed as two $200 semi-annual credits. Apply toward eligible hotel bookings made through the Bilt Travel Portal. Bookings must be for a minimum 2-night stay to qualify for the credit.

Twice a year, resets on the cardmember year

$200

$400

$200 Annual Bilt Cash Benefit $200 in Bilt Cash is automatically credited to your Bilt account upon card approval. In subsequent years, the $200 Bilt Cash benefit is credited on January 1st of each calendar year. Bilt Cash balances over $100 expire at year-end. Bilt Cash can be redeemed for dollar-for-dollar value toward fitness classes, hotel bookings, Home Delivery orders, Lyft rides, and more through the Bilt app.

Once a year, resets on the calendar year

$200

$10 Monthly Lyft Credit Up to $10 per month in Lyft credit, redeemable through Bilt Cash toward Lyft rides. $120 total annual value. Credit is available monthly and does not roll over to the next month if unused.

Monthly, resets on the cardmember year

$10

$120

The monthly credits are the ones people lose

$10 Monthly Lyft Credit is capped per month. An unused month does not roll forward, so the annual figure the card is marketed on assumes you spend at those specific merchants every single month. Most people do not, which is the single biggest gap between a premium card's advertised credit value and what it is worth to you.

Questions people ask

When do the Bilt Palladium Card credits reset?

Both, depending on the credit. $200 Annual Bilt Cash Benefit reset on the calendar year and expire 31 December. $400 Bilt Travel Hotel Credit, $10 Monthly Lyft Credit reset on your cardmember year, meaning your account anniversary.

Which Bilt Palladium Card credits require enrolment?

None of the 3 credits we track on this card require enrolment.

How much are the Bilt Palladium Card credits worth in total?

$720 a year at face value, against a $495 annual fee. That is the sum of the caps, not what a typical cardholder captures — 1 of them are monthly and expire unused each month, and each is restricted to specific merchants.

Verified 2026-09-20. See the full Bilt Palladium Card page, or every credit across every card.