American Express Gold vs Bilt Bilt Palladium Card

American Express Gold

$325/yr

VS

Bilt Palladium Card

$495/yr

Every $1 · two cards

American Express Gold earns more in 3 of 9 categories · Bilt Palladium Card in 6

• Dining
  4×8¢ per $1

  up to $50,000/yr

  2×4.4¢ per $1
• Groceries
  4×8¢ per $1

  up to $25,000/yr

  2×4.4¢ per $1
• Gas
  1×2¢ per $1
  2×4.4¢ per $1
• Flights
  3×6¢ per $1
  3×6.6¢ per $1

  via Bilt Travel

• Hotels
  5×10¢ per $1

  via amextravel.com

  4×8.8¢ per $1

  via Bilt Travel

• Everything else
  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.