Bank of America Atmos™ Rewards Summit Visa Infinite® Bilt Bilt Palladium Card
Bank of America Atmos™ Rewards Summit Visa Infinite®
$395/yr
Bilt Palladium Card
$495/yr
Every $1 · two cards
Bank of America Atmos™ Rewards Summit Visa Infinite® earns more in 1 of 9 categories · Bilt Palladium Card in 8
- Dining3×4.65¢ per $12×4.4¢ per $1
- Groceries1×1.55¢ per $12×4.4¢ per $1
- Gas1×1.55¢ per $12×4.4¢ per $1
- Flights1×1.55¢ per $13×6.6¢ per $1
via Bilt Travel
- Hotels1×1.55¢ per $14×8.8¢ per $1
via Bilt Travel
- Everything else1×1.55¢ per $12×4.4¢ 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
Bank of America
Atmos™ Rewards Summit Visa Infinite®
- Annual fee
- $395
- Network
- visa
- Welcome value
- —
- Min spend
- $4,000 / 3mo
Top earning rates
- 3×Eligible dining, foreign transaction, Alaska Airlines and Hawaiian Airlines purchases · Atmos Rewards
- 1×All other purchases · Atmos Rewards
Key benefits
- Free first checked bag · $140
- Airport Security Statement Credit · $120
- $50 Instant Travel Delay Credit · $50
- Visa Infinite Car Rental Benefits · $0
- No Foreign Transaction Fees · $0
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
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