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All comparisons
Head-to-head, 2026

American Express Blue Business Plus Bilt Bilt Palladium Card

American Express Blue Business Plus

$0/yr

Blue Business Plus
Bilt Palladium Card

Bilt Palladium Card

$495/yr

Every $1 · two cards

American Express Blue Business Plus earns more in 0 of 9 categories · Bilt Palladium Card in 9

  • Dining
    2×4¢ per $1

    up to $50,000/yr

    2×4.4¢ per $1
  • Groceries
    2×4¢ per $1

    up to $50,000/yr

    2×4.4¢ per $1
  • Gas
    2×4¢ per $1

    up to $50,000/yr

    2×4.4¢ per $1
  • Flights
    2×4¢ per $1

    via amextravel.com

    3×6.6¢ per $1

    via Bilt Travel

  • Hotels
    2×4¢ per $1

    via amextravel.com

    4×8.8¢ per $1

    via Bilt Travel

  • Everything else
    2×4¢ per $1

    up to $50,000/yr

    2×4.4¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: American Express Blue Business Plus

American Express

Blue Business Plus

Annual fee
$0
Network
amex
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 2×Eligible purchases · Membership Rewards
  • 2×Eligible purchases on AmexTravel.com · Membership Rewards
  • 1×Purchases thereafter · Membership Rewards
  • 1×Eligible purchases · Membership Rewards

Key benefits

  • Purchase Protection · $0
  • Car Rental Loss and Damage Insurance · $0
  • Amex Special Ticket Access · $0
  • Extended Warranty · $0
  • Year-End Summary · $0
Full American Express Blue Business Plus review

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Bilt dining · Bilt Points
  • 4×Everyday purchases · Bilt Cash
  • 4×Lyft · Bilt Points
  • 4×Hotels · Bilt Points

Key benefits

  • $400 Bilt Travel Hotel Credit · $200
  • $200 of Bilt Cash · $200
  • Concierge Service. · $0
  • No Foreign Transaction Fees · $0
  • Priority Pass Membership · $0
Full Bilt Bilt Palladium Card review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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