Bilt Bilt Palladium Card Capital One Spark Cash Plus
Bilt Palladium Card
$495/yr
Capital One Spark Cash Plus
$150/yr
Every $1 · two cards
Bilt Palladium Card earns more in 9 of 9 categories · Capital One Spark Cash Plus in 0
- Dining2×4.4¢ per $12%2¢ per $1
- Groceries2×4.4¢ per $12%2¢ per $1
- Gas2×4.4¢ per $12%2¢ per $1
- Flights3×6.6¢ per $1
via Bilt Travel
2%2¢ per $1 - Hotels4×8.8¢ per $1
via Bilt Travel
5%5¢ per $1via Capital One Business Travel
- Everything else2×4.4¢ per $12%2¢ 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
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
Capital One
Spark Cash Plus
- Annual fee
- $150
- Network
- visa
- Welcome value
- $2,000
- Min spend
- $30,000 / 3mo
Top earning rates
- 5×Hotels, vacation rentals and rental cars
- 2×Every purchase
Key benefits
- Annual fee refund (Spend Tier) · $150
- No Foreign Transaction Fees · $0
- Roadside Assistance · $0
- Extended Warranty · $0
- Capital One Business Travel access · $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