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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Capital One SavorOne Rewards

Bilt Palladium Card

$495/yr

Bilt Palladium Card
SavorOne Rewards

Capital One SavorOne Rewards

$39/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Capital One SavorOne Rewards 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

    5%5¢ per $1

    via Capital One Travel

  • 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 SavorOne RewardsBigger 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

SavorOne Rewards

Annual fee
$39
Network
mastercard
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 8×Purchases made through the Capital One Entertainment ticketing platform
  • 5×Capital One Travel
  • 5×Hotels, vacation rentals and rental cars
  • 3×Popular streaming services

Key benefits

  • 50% off Capital One Café beverages · $0
  • Automatic credit line reviews · $0
  • No Foreign Transaction Fees · $0
  • Extended Warranty · $0
  • Travel Accident Insurance · $0
Full Capital One SavorOne Rewards 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