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All comparisons
Head-to-head, 2026

American Express Platinum Bilt Bilt Palladium Card

American Express Platinum

$895/yr

Platinum
Bilt Palladium Card

Bilt Palladium Card

$495/yr

Every $1 · two cards

American Express Platinum earns more in 2 of 9 categories · Bilt Palladium Card in 7

  • Dining
    1×2¢ per $1
    2×4.4¢ per $1
  • Groceries
    1×2¢ per $1
    2×4.4¢ per $1
  • Gas
    1×2¢ per $1
    2×4.4¢ per $1
  • Flights
    5×10¢ per $1

    up to $500,000/yr

    3×6.6¢ per $1

    via Bilt Travel

  • Hotels
    5×10¢ per $1

    via American Express Travel

    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.

Fees, welcome offers & benefits

Lower annual fee: Bilt Bilt Palladium Card

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
  • 5×Prepaid hotels · Membership Rewards
  • 5×Prepaid short-term rentals with Airbnb · Membership Rewards
  • 2×Eligible travel purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $300 Equinox Credit · $300
  • $600 Lodging Credit · $300
  • $250 Airbnb Experiences Credit · $250
Full American Express Platinum 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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