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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Capital One Savor

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Savor

Capital One Savor

$0/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Capital One Savor in 0

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

    via Bilt Travel

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

    via Bilt Travel

    5%5¢ per $1

    via Capital One Travel

  • Everything else
    2×4.4¢ per $1
    1%1¢ 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: Capital One SavorBigger welcome offer: Bilt Bilt Palladium Card

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

Capital One

Savor

Annual fee
$0
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×Capital One Entertainment purchases
  • 5×Hotels, vacation rentals and rental cars
  • 3×Grocery stores, dining, entertainment and popular streaming services
  • 1×All other purchases

Key benefits

  • Concierge Service · $0
  • Extended Warranty · $0
  • Capital One Travel price match guarantee · $0
  • 50% off Capital One Café beverages · $0
  • Travel Accident Insurance · $0
Full Capital One Savor 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