Bilt Palladium Card $400 Bilt Travel Hotel Credit: How It Works and When It Resets (2026)
Quick answer: The Bilt Palladium Card $400 Bilt Travel Hotel Credit is worth up to $400 a year. It comes in two halves, January through June and July through December, up to $200 per half; an unused first half expires on July 1. No enrollment is required; eligible purchases are credited automatically.
At a glance
| Card | Bilt Palladium Card · First Electronic Bank · annual fee $495 |
| Value per year | $400 |
| Per-cycle cap | $200 |
| Cycle | Semi-annual |
| Resets | Semi-annual |
| Enrollment | Not required |
| Type | Accumulates up to the cap |
The terms, as catalogued
$400 annual Bilt Travel Hotel credit distributed as two $200 semi-annual credits. Apply toward eligible hotel bookings made through the Bilt Travel Portal. Bookings must be for a minimum 2-night stay to qualify for the credit.
How not to lose it
Add the Bilt Palladium Card to MaxWorth and this credit appears with its semi-annual cycle already set; you get a push before it expires, tap it when you use it, and the card's annual-fee ROI updates. No bank account is ever connected.
Frequently asked questions
When does the $400 Bilt Travel Hotel Credit reset?
It comes in two halves, January through June and July through December, up to $200 per half; an unused first half expires on July 1.
Do I need to enroll?
No enrollment is required; eligible purchases are credited automatically.
Does unused credit roll over?
No. Like every semi-annual credit, any unused amount expires when the cycle ends.
Other credits on the Bilt Palladium Card
- $200 Annual Bilt Cash Benefit · $200/yr · Annual
- $10 Monthly Lyft Credit · $120/yr · Monthly
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; methodology. Spotted an outdated term? Tell us through the app.