Reddit · r/CreditCards · Nov 8, 2026
PositiveSummary of a Reddit comment
Uses the Bilt Palladium for lounge access since it is easy to earn back the annual fee through credits and it includes guest access.
Travel rewards card
Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks.
A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.
So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.
Topics grouped from customer reviews, with how many mention each; read the originals below.
Showing 17 reviews mentioning great travel perks Show all
Reddit · r/CreditCards · Nov 8, 2026
PositiveSummary of a Reddit comment
Uses the Bilt Palladium for lounge access since it is easy to earn back the annual fee through credits and it includes guest access.
Reddit · r/CreditCards · Jun 3, 2026
PositiveSummary of a Reddit comment
Gets about 2.5 cpp via Hyatt, roughly 7.5% back on Palladium spend.
Reddit · r/CreditCards · Oct 27, 2026
PositiveSummary of a Reddit comment
Best Bilt Cash uses were two hotel stays, so sticks with the old option.
Reddit · r/CreditCards · Oct 8, 2026
PositiveSummary of a Reddit comment
Redeemed hotel credits plus Bilt Cash and replaced their Venture X.
Reddit · r/CreditCards · Jul 29, 2026
PositiveSummary of a Reddit comment
Uses Bilt most of the cards they hold, mainly for Hyatt and Alaska points.
Reddit · r/CreditCards · Mar 9, 2026
PositiveSummary of a Reddit comment
Earned the 50K SUB and used the hotel credit plus Bilt Cash on a booking.
Reddit · r/CreditCards · Jan 16, 2026
PositiveSummary of a Reddit comment
Palladium complements Amex Platinum and Gold and adds transfer partners.
Reddit · r/CreditCards · Oct 27, 2025
PositiveSummary of a Reddit comment
Current card has been very valuable, including for Hyatt stays.
Reddit · r/CreditCards · Mar 4, 2025
PositiveSummary of a Reddit comment
Has covered hotels and cruises and earns 4x when booking on the 1st.
Reddit · r/CreditCards · Feb 26, 2024
PositiveSummary of a Reddit comment
Works great to save United points with no annual fee.
Reddit · r/CreditCards · Sep 26, 2024
PositiveSummary of a Reddit comment
Points are valuable for transfers and get 1.25 cpp in the portal.
Reddit · r/CreditCards · Aug 23, 2024
PositiveSummary of a Reddit comment
Flew round trip to Europe free using Bilt points.
Reddit · r/amex · Aug 11, 2024
PositiveSummary of a Reddit comment
Still transfers 1:1 to United and Hyatt and is well worth it.
Reddit · r/CreditCards · Jul 27, 2024
PositiveSummary of a Reddit comment
Booked a first-class round trip on Alaska for 9k points.
Reddit · r/CreditCards · Jul 22, 2024
PositiveSummary of a Reddit comment
A transfer promotion turned 12k points into 21k Emirates miles.
Reddit · r/CreditCards · Jul 22, 2024
PositiveSummary of a Reddit comment
Transferred points to Hyatt and covered a Lisbon trip.
Reddit · r/CreditCards · Nov 11, 2022
PositiveSummary of a Reddit comment
Got a free United upgrade to premium economy thanks to Bilt.
Customers like earning points on rent with no annual fee, plus the transfer partners and travel perks. Many are unhappy with the 2.0 changes, which they say cut benefits and made earning more complicated. Support experiences are mixed, with several fraud cases handled well and others slowly.
Of the 209 reviews with a clear verdict, 49% are positive, 18% mixed and 33% negative. The praise mentioned most is great rewards. The most common complaint is poor support.
The praise reviewers mention most: great rewards (21 reviews), great travel perks (11 reviews) and helpful support (5 reviews). For example: Misses spending on the Palladium while working on another SUB; app and support are clunky.
The complaints reviewers mention most: poor support (12 reviews). For example: Multiple fraudulent charges, then the card was cancelled for suspicious activity with unhelpful support.
It's how well reviewed Bilt Card is, out of 100. Negative and mixed reviews take points off, and so does having only a few reviews: a product needs plenty of them, compared with the most-reviewed products here, to reach the high 80s and 90s. It's worked out from reviews only, needs at least 5 of them, and updates as new ones come in.
Category: Travel rewards card. Type: Rent and travel rewards credit card. Fees: Three cards: Blue $0, Obsidian $95, Palladium $495 annual fee. Rates & rewards: Up to 1.25x points on rent and mortgage payments.
209 are quotes from Reddit, each linked to the original. Customer reviews are checked for spam before they appear. Every review, written here or quoted, is read as positive, mixed or negative.