Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

American Express Delta SkyMiles Gold Bilt Bilt Palladium Card

American Express Delta SkyMiles Gold

$150/yr

Delta SkyMiles Gold
Bilt Palladium Card

Bilt Palladium Card

$495/yr

Every $1 · two cards

American Express Delta SkyMiles Gold earns more in 0 of 9 categories · Bilt Palladium Card in 9

  • Dining
    2×2.4¢ per $1
    2×4.4¢ per $1
  • Groceries
    2×2.4¢ per $1
    2×4.4¢ per $1
  • Gas
    1×1.2¢ per $1
    2×4.4¢ per $1
  • Flights
    1×1.2¢ per $1
    3×6.6¢ per $1

    via Bilt Travel

  • Hotels
    1×1.2¢ per $1
    4×8.8¢ per $1

    via Bilt Travel

  • Everything else
    1×1.2¢ per $1
    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 Delta SkyMiles Gold

American Express

Delta SkyMiles Gold

Annual fee
$150
Network
amex
Welcome value
—
Min spend
$2,000 / 6mo

Top earning rates

  • 2×Restaurants plus takeout and delivery in the U.S. · SkyMiles
  • 2×Delta Purchases · SkyMiles
  • 2×Dining · SkyMiles
  • 2×Groceries · SkyMiles

Key benefits

  • $200 Delta Flight Credit (Spend Tier) · $200
  • First Checked Bag Free · $140
  • $100 Delta Stays Credit · $100
  • $120 Rideshare Credit · $10
  • Amex Special Ticket Access · $0
Full American Express Delta SkyMiles Gold 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.

Get my personal answer