Tools

Bilt Rewards 2.0 Helper

Compare Bilt Blue, Obsidian, and Palladium with your own spend assumptions before you decide which card deserves more research.

Which Bilt card is worth managing?

Compare the card tier, reward option, and credit workload using your own housing and everyday spend.

Monthly housing payment

Monthly dining

Monthly groceries

Monthly travel

Monthly other spend

Bilt point value

Use your own redemption value. Higher values favor points-heavy options.

Hotel credit confidenceObsidian has $100/year and Palladium has $400/year, distributed semi-annually.Bilt Cash preferenceFlexible Bilt Cash is modeled at 4% of everyday spend. Housing point unlocks cost 3¢ of Bilt Cash per point.

Best fit

Bilt Palladium

Estimated recurring net value: $1,871

Decision read

Palladium only makes sense if you are willing to manage the premium credits, not just chase the headline 2x rate.

You can use the two semi-annual Bilt Travel hotel credits.
You are comfortable using or redeeming annual Bilt Cash before year-end.
You have enough everyday spend to make the 2x base rate matter.

Reward option: Flexible Bilt Cash

Flexible Bilt Cash looks stronger because 4% Bilt Cash value beats the Housing-only tier estimate.

Obsidian category: Dining

Based on dining vs. grocery spend entered above.

Housing-only rewards

Tiered housing points, no 4% Bilt Cash on everyday spend.

$504

Monthly housing points

2,800

Spend tier

1.00x

Flexible Bilt Cash

4% Bilt Cash on everyday spend, optionally redeemed into housing points.

$1,152

Bilt Cash / month

$96

Housing points unlocked

Monthly unlock math

Your everyday spend earns $96 in Bilt Cash per month. A full 1x housing unlock needs $84 in Bilt Cash, or about $2,100 in monthly everyday spend.

Full housing unlock0%

CardNetCreditsFee

Bilt Blue

Best if you mainly want no-fee housing rewards and simple tracking.

$1,584

Bilt Obsidian

Choose dining as the annual 3x category based on this spend.

$1,836

$50

$95

Bilt Palladium

Needs real use of hotel credits and Bilt Cash to justify the larger annual fee.

$1,871

$350

$495

Worth managing? Track the dates.

The card only works if the semi-annual hotel credits, annual Bilt Cash, and reward option choices stay visible after signup.

Track Bilt reminders

Assumptions: housing-only rent points use Bilt's official tier thresholds and 250-point monthly floor; Flexible Bilt Cash is estimated at 4% of everyday spend and only modeled into housing points when your point value exceeds the 3¢ per point unlock cost. First-year mode includes source-dated welcome bonus values and should be rechecked before applying. Always verify final reward terms in the Bilt app before changing cards or reward options.

For official terms and card-by-card caveats, read the Bilt Rewards 2.0 guide.