4×points per dollar
Lyft
4× on lyft, the issuer's published rate for the category.
What the Bilt Palladium Card pays for.
Every perk, coverage and status this card carries, at the issuer's face value.
Browse all cards
Face value of perks
$1,106
6 credits across 3 categories
Annual fee
$495
Charged once a year
Top earn rate
4× points
Lyft
Discovery begins here
What every dollar returns, by where you spend it. Two categories earn extra on this card; everything else earns the base rate.
3×points per dollar
Walgreens
3× on walgreens, the issuer's published rate for the category.
2×points per dollar
Everything else
The base rate on all other eligible purchases.
Multipliers are points per dollar, before any transfer or redemption value.
Everything that can be found
Every perk this card carries, grouped by what it pays for, at the issuer's published face value. What you actually keep depends on whether you use them.
Travel
$400 · 1 perk
Bilt Travel Hotel Credit
$400Receive a $200 statement credit for qualifying hotel bookings made through the Bilt Travel Portal, available twice per year (Jan–Jun and Jul–Dec).
Transit
$150 · 2 perks
Lyft Monthly Credit
$10/moTake three Lyft rides in a month with the card to earn a $5 credit (offer expires 1/31/2027).
Mastercard Transit Benefit
$2.50/moReceive a $2.50 statement credit each month you spend $10 or more at participating transit locations when tapping the card.
Access
$556 · 3 perks
Annual Bilt Cash Award
$400$200 of Bilt Cash is awarded automatically each calendar year, and up to $100 of unused Bilt Cash rolls over into the next calendar year.
Instacart Monthly Credit
$10/moTen dollars off your second Instacart order each month, plus complimentary Instacart+ while enrolled. A World Legend Mastercard package benefit — activated with Instacart, never an automatic statement credit.
Peacock Monthly Credit
$3/moGet $3 off Peacock Premium or Peacock Premium Plus each month when you subscribe using the card (offer expires 12/31/2027).
6 credits, $1,106 at face value. Figures come from our card database, checked against the issuer's terms. Report a mismatch
See what it would really cost you
Face value is the issuer's best case. Pick the credits you'd use and Which Card works out your effective annual fee, against any other card.
Coverages
Protections that come with the card and cost nothing extra. They have real value and no published price, so they are never counted into the figures above.
Cell phone protection
Reimbursement for the cost to repair or replace an eligible stolen or damaged cell phone.
Trip delay protection
If you are delayed more than six (6) hours while traveling to your destination or return destination, we will reimburse you for travel expenses as a result of the delay.
Travel & emergency assistance
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
ID theft protection
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Elite status
Access and standing granted by holding the card. Some need a one-time sign-up with the issuer before they are live on your account.
Airport lounge access
Eligible cardholders will enjoy complimentary lounge membership for them and up to two guests.For additional guests above two, the Cardholder will be charged $35 per guest per lounge visit.
Concierge service
A complimentary 24/7 concierge service that acts as a relentless personal assistant. Reserve that perfect table, locate hard-to-find items and more.
Cellular Wireless Telephone Protection
Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.
HealthLock Membership
Complimentary HealthLock for Mastercard Medical Claim Monitor membership plus a 90-day upgrade to all HealthLock services; enrollment required.
Instacart+ Membership
Complimentary Instacart+ membership while enrolled (free delivery on eligible orders). Part of the World Legend Mastercard package — activate on Instacart's Mastercard enrollment page.
Mastercard Golf
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
MasterRental Coverage
When you rent a vehicle for 31 consecutive days or less with your covered card, you are eligible for benefits under this coverage.
Priority Pass Lounge Access
Complimentary Priority Pass lounge membership for the cardholder plus up to two guests (additional guests $35 per visit); enrollment required to activate.
Protection wherever you shop
With Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Purchase Assurance
Most items purchased entirely with the card are covered if damaged or stolen within 90 days of purchase.
Soho Friends Membership
World Legend cardholders receive a complimentary year of Soho Friends, Soho House's travel and lifestyle program; must join to redeem.
Trip Delay Reimbursement
Reimbursement of travel expenses when a covered trip is delayed more than six hours.
Start earning immediately
We'll build your wallet dashboard instantly, with every reset deadline and a note on any credit that needs a sign-up first, so you can begin earning from day one.
