Bilt Palladium Card annual-fee breakeven
In a general scenario (default spend mix + every catalog credit used in full), the Bilt Palladium Card ($495 annual fee) is worth credits $400 + incremental earn $646.80 = $1,046.80 in year 1, or $551.80 after the fee.
Key Takeaways
General-scenario verdict: Worth keeping
Assuming every credit is used in full, the breakeven is $5,640 a year of spending in the same mix (about $470 a month).
With no credits used at all, the breakeven is $29,388 a year.
Annual fee: $495 · Credits /yr: $400 · Incremental earn /yr: $646.80
Year-1 value: $1,046.80 · After fee: $551.80
Worth keeping
Catalog credits (annualized)
| Credit | Cycle | Per period | Annual |
|---|---|---|---|
| Bilt Travel hotel credit $400 | annually | $400 | $400 |
Incremental earn on the default spend mix
| Spend category | Monthly spend | Earn rate | Point value | Incremental /yr |
|---|---|---|---|---|
| Dining | $400 | 2x (everything rate) | 1.8c | $76.80 |
| Groceries | $600 | 2x (everything rate) | 1.8c | $115.20 |
| Gas (personal) | $150 | 2x (everything rate) | 1.8c | $28.80 |
| General travel | $300 | 2x (category rate) | 1.8c | $57.60 |
| Flights | $150 | 3x (category rate) | 1.8c | $61.20 |
| Amazon · Whole Foods | $200 | 2x (everything rate) | 1.8c | $38.40 |
| Drugstores | $100 | 2x (everything rate) | 1.8c | $19.20 |
| Everything else | $1,000 | 2x (category rate) | 1.8c | $192 |
| Office | $200 | 2x (everything rate) | 1.8c | $38.40 |
| Shipping · Ads | $100 | 2x (everything rate) | 1.8c | $19.20 |
How this is calculated
Each default-spend category's earn rate times the card's point value, minus a 2% baseline, floored at $0 per category, summed over the monthly mix. Credits are catalog face values annualized. Same math as the renewal analysis; a general-scenario estimate, not your own wallet.
FAQ
What is the breakeven point?
The spending level where the card's year-1 value (credits + incremental earn) equals its annual fee.
Why compare against a 2% card?
A no-fee 2% card is the baseline. Incremental earn shows how much more this card earns than that baseline, using the same math as the renewal analysis.
Is using every credit realistic?
No -- full use is the maximum. Recompute with only the credits you actually use for a breakeven that fits you.
Sources
- Every figure is computed at request time from the DanHana catalog (annual fee, credits, earn rates, point values). When the catalog changes, this page changes too.
Page updated: November 3, 2026
No bank login required