# Targeted: Bilt offers in-app upgrades to Obsidian and Palladium

_Sep 22 18:07_

Tags: Bilt, credit card, policy change

Type: Program change

## Summary

Miles to Memories reports that Bilt is showing product-change options in Card settings for select Blue and Obsidian holders, with one reported Palladium upgrade paying 50,000 points plus $100 in Bilt Cash after $4,000 spend within 90 days.

Blue cardholders may be offered Obsidian or Palladium, and Obsidian holders may be offered Palladium. The switch remains on the same account and does not trigger a hard inquiry. History and Bilt Points carry over, and the account number usually does not change. Bilt issues a new expiration date and CVV. The new annual fee posts after the change, with the prior fee refunded in full or prorated depending on timing. Cardholders may upgrade only once in a 12-month period.

Bilt says any upgrade bonus is whatever the app or website displays at the time of the change. An Obsidian move to Palladium credits the hotel-benefit difference for the current semiannual period rather than waiting until the next cycle. Who sees an offer depends on the card and the account.

Check Bilt Card settings and read the on-screen bonus and fee terms before switching.

## Key facts

- **Numbers**:
  - 50,000 points: reported Palladium upgrade bonus
  - $100: Bilt Cash included in a reported Palladium upgrade bonus
  - $4,000: spend required to earn the reported upgrade bonus
  - 90 days: spend window for the reported upgrade bonus
  - 12 months: limit of one product upgrade
- **Who qualifies**: Select Bilt Blue cardholders may be offered Obsidian or Palladium, and Obsidian cardholders may be offered Palladium; eligibility varies by card and account.
- **Takeaway**: Check Bilt Card settings for a product-change offer and read the on-screen bonus, spend, and fee terms before upgrading.

[See all current card offers](https://thetravelsignal.com/now/card-offers.md)

## Sources cited

- [Miles to Memories](https://milestomemories.com/bilt-now-allows-product-changes) — Bilt Now Allows Product Changes and Even Offering Upgrade Bonuses

## Related signals

- [Bilt adds $50 Bilt Cash redemptions for Thumbtack twice a year](https://thetravelsignal.com/s/a-new-bilt-cash-redemption-option-handyman-services-via-thumbtack-50-twice-annua.md)
- [Bilt adds 25-100% to gift-card redemptions through Nov 2](https://thetravelsignal.com/s/bilt-rent-day-25-100-bonus-when-redeeming-points-for-gift-cards-dont-do-it.md)
- [Bilt ends 4% Bilt Cash for new cardholders from January 1, 2027](https://thetravelsignal.com/s/decomplexifying-bilt-my-personal-ponderings.md)
- [Bilt offers up to $150 off portal hotels through Nov 2](https://thetravelsignal.com/s/bilt-offers-up-to-150-off-hotels-for-november-rent-dayplus-up-to-a-100-gift-card.md)
- [Considering The Bilt Palladium Card? Here’s Why You Should Apply Soon…](https://thetravelsignal.com/s/considering-the-bilt-palladium-card-heres-why-you-should-apply-soon.md)

Older: [Targeted: Wyndham pays 10 elite nights or 4,000 points after one stay](https://thetravelsignal.com/s/targeted-wyndham-promos-10-elite-night-credits-4-000-bonus-points-more.md)
Newer: [Qantas will fly Sydney to New York nonstop from mid-2028](https://thetravelsignal.com/s/qantas-9-950-mile-20-hour-sydney-to-new-york-a350-flights-launch-mid-2028.md)

Canonical URL: https://thetravelsignal.com/s/bilt-now-allows-product-changes-and-even-offering-upgrade-bonuses