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The Card Strategist blog

July 28, 2026·6 min read
Is the Bilt Palladium worth $495? I ran the math on my $4,000 mortgage
Bilt can absolutely be a slam dunk for the right spender. But for a set-it-and-forget-it strategy, the real net is thinner than the hype, and most of the value hides behind an ongoing optimization tax. Here are my actual numbers.
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The Card Strategist blog

Is the Bilt Palladium worth $495? I ran the math on my $4,000 mortgage

Stop reading about other people’s wallets.