Bilt Card Offer: Earn up to 100,000 points (TPG exclusive offer)

we have been waiting Year Two things: the ability to earn points on your mortgage, and the opportunity to earn a huge welcome bonus with the Bilt Credit Card.

Now, both of them are finally here.

Bilt launches three new credit cards: birt blue card (See Rates and Fees), birt obsidian card (See Rates & Fees) and—my favorite—the new top-of-the-line Birt Palladium Card (See Rates and Fees). The update brings the first truly significant welcome bonus we’ve seen from Bilt, as well as new ways to earn Bilt Rewards Points faster than ever.

In fact, by stacking the new welcome offer with exclusive TPG offers, you can earn up to 100,000 Bilt Reward Points with a quick $10,000 purchase. To qualify for this limited time offer, you must apply through TPG’s exclusive link. Note: Offer details may not appear during the application process, but will be reflected in your Bilt account upon card activation on February 7.

This is important because Bilt Rewards points are the most valuable transferable rewards currency, thanks to an excellent list of airline and hotel partners and consistently high-value redemption opportunities.

Below, we break down the current welcome offers for all three Bilt credit cards and explain which one might make the most sense for you.

Bilt Palladium Card: The first-ever huge bonus on a Bilt credit card

this Birt Palladium Card is Bilt’s new premium offering and the most compelling card in the series for those looking to earn large amounts of valuable transferable points quickly.

Apply here and earn up to 100,000 bonus points: Birt Palladium Card

To qualify for this limited time offer, you must apply through TPG’s exclusive link.

As a result of this newly launched offer, new Bilt Palladium Cardholders can earn 50,000 bonus points and Bilt Gold status (for the remainder of the calendar year in which the points were earned and the following calendar year) after spending $4,000 in purchases within the first three months of account opening.

In addition, cardholders can receive $300 in Bilt Cash upon approval. As an exclusive TPG member, you can also earn 5 points (up to 50,000 bonus points) for every $1 spent (excluding rent and mortgage payments) in the first 5 days. So if you happen to spend $10,000 in the first five days, not only will you be rewarded with 50,000 points; other Earn 50,000 points in the process.

This is the largest welcome bonus we’ve seen from Bilt so far.

To qualify for this limited time offer, you must apply through TPG’s exclusive link.

According to TPG’s January 2026 valuation, 50,000 Bilt bonus points are worth up to $1,100 on their own. When coupled with $300 in Bilt Cash (which can be used in the Bilt ecosystem for rent and mortgage fee relief, etc.), the total value of this offer is up to $1,400.

That doesn’t even take into account the added value of Bilt Gold status or the ability to earn tons of points within the first five days of card membership.

With a total value of over $1,400, this welcome bonus is easily among the best value card offers available right now.

Related: The best welcome deals this month

In addition to the welcome bonus, the card offers the following key benefits:

• Annual fee $495
• $400 in Bilt Travel hotel credits annually ($200 awarded biannually)
• $200 Bilt Cash per year
• Priority Pass Lounge Membership

This card earns:

• Earn 2 points for every US$1 spent on daily purchases
• Earn up to 1 point for every $1 spent on rent and mortgage payments
• Earn 4% Bilt Cash on everyday expenses (can be used to waive rent and mortgage transaction fees and other exchange fees)

Why You Should Apply to Bilt Palladium

Two words describe the appeal of this card better than anything else: Transfer Partner.

The ability to earn up to 1 point for every $1 spent on rent and mortgage payments is exciting, especially since Bilt Cash can be used to offset transaction fees. But even without being tied to rent and mortgage payments, the Bilt Palladium is still a great premium card.

That’s because Bilt Rewards points transfer 1:1 to programs like Alaska Airlines Atmos Rewards, United MileagePlus and World of Hyatt. These partners always offer high-value redemptions, which is why Bilt points are currently valued at 2.2 cents each (based on our January 2026 valuation).

RELATED: Don’t make a mistake: You can pay 7,500 miles or 50,000 points for the same flight

The closest premium card in daily earnings is the Capital One Venture X Rewards Credit Card, which earns at least 2 points per $1 on all purchases. However, Capital One miles are currently worth 1.85 cents per mile (based on our January 2026 valuation), giving the Bilt Palladium a clear advantage when it comes to everyday spending.

To translate this difference into the real world, transferring Bilt points to World of Hyatt can unlock tremendous value. On certain dates, just 63,000 points are enough for a three-night stay at the Hyatt Regency Oceanfront Maui Resort & Spa. Most of these points can come directly from the welcome bonus.

Whether you’re focused on maximizing your daily spending, earning points on rent or mortgage payments, or racking up transferable points for fancy travel, the Bilt Palladium Card has the potential to become a long-term staple in many wallets.

Apply here: Birt Palladium Card

Two more Bilt cards are launching today, in case the Palladium isn’t for you.

birt obsidian card

If you want a lower annual fee, birt obsidian card Sits right in the middle of the lineup, offering stronger reward categories than the no-annual-fee option while keeping costs well below the Palladium card.

Welcome offer: Earn $200 in Bilt Cash when you apply and are approved. As an exclusive TPG member, you can also earn 5 points (up to 50,000 bonus points) for every $1 spent (excluding rent and mortgage payments) in the first 5 days.

Key benefits include:

• Annual fee $95
• $100 Bilt Travel hotel credit annually ($50 awarded biannually)
• cell phone protection

As for the earn rate, this card earns you:

• Earn 3 points per $1 spent on dining and groceries (up to $25,000 per year)
• Earn 2 points per $1 spent on travel
• Earn up to 1 point for every $1 spent on rent, mortgage payments, and everyday expenses
• Earn 4% Bilt Cash on everyday purchases (can be used to waive rent and mortgage transaction fees)

The Obsidian Card is a great option for those who spend a lot of money on restaurants and groceries and want to use Bilt’s transfer partners without paying a hefty annual fee. Its high earnings rates in key categories add up quickly, making it a good fit for renters or homeowners who want to earn points on their housing payments without paying extra fees.

Apply here: birt obsidian card

birt blue card

this birt blue card It’s the entry-level option in the series and the only card with no annual fee.

Welcome offer: Earn $100 in Bilt Cash when you apply and are approved.

As an exclusive TPG member, you can also earn 5 points (up to 50,000 bonus points) for every $1 spent (excluding rent and mortgage payments) in the first 5 days. To qualify for this limited time offer, you must apply through TPG’s exclusive link.

Key benefits include:

This card earns:

• Earn up to 1 point for every $1 spent on rent and mortgage payments
• Earn 1 point for every US$1 spent on daily purchases
• Earn 4% Bilt Cash on everyday expenses (can be used to waive rent and mortgage transaction fees)

The Blue Card is the easiest way to earn Bilt Rewards with no annual fee, allowing you to earn transferable points for rent or mortgage payments and participate in Rent Day promotions. It also serves as a long-term companion card to major travel rewards cards. However, if you plan to use your Bilt card frequently and heavily for rent and daily expenses, you may want to choose a higher-tier card.

Apply here: birt blue card

Bilt Credit Card Welcome Offers Comparison

To qualify for TPG’s limited time offer, you must apply through TPG’s exclusive link.

bottom line

In a world of 100,000 point and 200,000 point welcome bonuses, it’s easy to overlook the true significance of the 50,000 point Bilt bonus (before considering the TPG Exclusive Offers section).

But Bill’s characteristics are different. They’re harder to earn at scale, they transfer to some of the most valuable loyalty programs, and they’re always worth more than 2 cents each when used with transfer partners. When you combine that with the ability to earn rent and mortgage points, this new lineup becomes truly compelling. (If you apply for one of these cards today, consider the time it will take to receive the card in the mail. According to the company, it will enable all Bilt Card 2.0 on February 7.)

I would definitely apply for the Bilt Palladium Card. Between the welcome bonus, the earning rate on everyday purchases, and the ability to earn more points with card collateral, adding the card to my wallet was a no-brainer. The welcome bonus, combined with the card’s other points-earning opportunities, will get me closer to my next Hyatt stay, business class flight, or whatever enticing day-of-lease transfer bonus Bilt offers next.

Apply here: Birt Palladium Card

Apply here: birt obsidian card

Apply here: birt blue card