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All comparisons
Head-to-head, 2026

American Express Marriott Bonvoy Business Bilt Bilt Palladium Card

American Express Marriott Bonvoy Business

$125/yr

Marriott Bonvoy Business
Bilt Palladium Card

Bilt Palladium Card

$495/yr

Every $1 · two cards

American Express Marriott Bonvoy Business earns more in 0 of 9 categories · Bilt Palladium Card in 9

  • Dining
    4×3¢ per $1
    2×4.4¢ per $1
  • Groceries
    2×1.5¢ per $1
    2×4.4¢ per $1
  • Gas
    2×1.5¢ per $1
    2×4.4¢ per $1
  • Flights
    2×1.5¢ per $1
    3×6.6¢ per $1

    via Bilt Travel

  • Hotels
    2×1.5¢ per $1
    4×8.8¢ per $1

    via Bilt Travel

  • Everything else
    2×1.5¢ 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 Marriott Bonvoy Business

American Express

Marriott Bonvoy Business

Annual fee
$125
Network
amex
Welcome value
—
Min spend
$8,000 / 6mo

Top earning rates

  • 6×Eligible purchases at hotels participating in Marriott Bonvoy · Marriott Bonvoy
  • 4×Restaurants worldwide · Marriott Bonvoy
  • 2×All other eligible purchases · Marriott Bonvoy

Key benefits

  • Additional Free Night Award (Spend Tier) · $295
  • Annual Free Night Award · $295
  • American Express Venue Collection · $250
  • Amex Special Ticket Access · $0
  • Extended Warranty · $0
Full American Express Marriott Bonvoy Business 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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