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

American Express Graphite Business Cash Unlimited Card Bilt Bilt Palladium Card

American Express Graphite Business Cash Unlimited Card

$295/yr

Graphite Business Cash Unlimited Card
Bilt Palladium Card

Bilt Palladium Card

$495/yr

Every $1 · two cards

American Express Graphite Business Cash Unlimited Card earns more in 0 of 9 categories · Bilt Palladium Card in 9

  • Dining
    2%2¢ per $1
    2×4.4¢ per $1
  • Groceries
    2%2¢ per $1
    2×4.4¢ per $1
  • Gas
    2%2¢ per $1
    2×4.4¢ per $1
  • Flights
    5%5¢ per $1

    via American Express Travel® Online

    3×6.6¢ per $1

    via Bilt Travel

  • Hotels
    5%5¢ per $1

    via American Express Travel® Online

    4×8.8¢ per $1

    via Bilt Travel

  • Everything else
    2%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 Graphite Business Cash Unlimited CardBigger welcome offer: American Express Graphite Business Cash Unlimited Card

American Express

Graphite Business Cash Unlimited Card

Annual fee
$295
Network
amex
Welcome value
$1,500
Min spend
$50,000 / 6mo

Top earning rates

  • 5×Flights and prepaid hotels
  • 2×Eligible purchases

Key benefits

  • American Express One AP Statement Credit (Spend Tier) · $2400
  • Return Protection · $0
  • No Foreign Transaction Fees · $0
  • Pay Over Time · $0
  • Virtual Card Controls · $0
Full American Express Graphite Business Cash Unlimited Card 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