With most ultra-premium cards it's possible to simply add up how much you value each perk and see if it meets or exceeds the annual fee, but this card is mostly valuable for its high earning rate from spend... It's definitely worth $495 in the first year due to the welcome bonus, but what about after that?

(01:38) - Palladium Card details

Learn more about the Bilt Palladium card here

(02:37) - Bilt Cash

(06:03) - Is the Palladium card worth $495 in exchange for...

(06:35) - Consider other cards

(07:14) - Our take

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Music Credit – Annie Yoder