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All comparisons
Head-to-head, 2026

Barclays Wyndham Rewards Earner Premier Card Bilt Bilt Palladium Card

Barclays Wyndham Rewards Earner Premier Card

$395/yr

Wyndham Rewards Earner Premier Card
Bilt Palladium Card

Bilt Palladium Card

$495/yr

Every $1 · two cards

Barclays Wyndham Rewards Earner Premier Card earns more in 0 of 9 categories · Bilt Palladium Card in 9

  • Dining
    4×2.2¢ per $1
    2×4.4¢ per $1
  • Groceries
    4×2.2¢ per $1
    2×4.4¢ per $1
  • Gas
    1×0.55¢ per $1
    2×4.4¢ per $1
  • Flights
    4×2.2¢ per $1
    3×6.6¢ per $1

    via Bilt Travel

  • Hotels
    4×2.2¢ per $1
    4×8.8¢ per $1

    via Bilt Travel

  • Everything else
    1×0.55¢ 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: Barclays Wyndham Rewards Earner Premier Card

Barclays

Wyndham Rewards Earner Premier Card

Annual fee
$395
Network
mastercard
Welcome value
—
Min spend
$6,750 / 6mo

Top earning rates

  • 8×Eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles. · Wyndham Rewards
  • 4×Dining · Wyndham Rewards
  • 4×Grocery stores · Wyndham Rewards
  • 4×Travel · Wyndham Rewards

Key benefits

  • Global Entry or TSA PreCheck application fee credit · $120
  • $100 Annual Streaming Credit · $100
  • $100 Annual Credit for Eligible Hotel Purchases · $100
  • Complimentary Wyndham Rewards Insider Subscription ($95/Year Value) · $95
  • $65 Annual Wholesale Statement Credit · $65
Full Barclays Wyndham Rewards Earner Premier 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