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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase Disney Inspire Visa

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Disney Inspire Visa

Chase Disney Inspire Visa

$149/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Chase Disney Inspire Visa in 0

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

    via Bilt Travel

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

    via Bilt Travel

    1%1¢ per $1
  • 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: Chase Disney Inspire Visa

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

Chase

Disney Inspire Visa

Annual fee
$149
Network
visa
Welcome value
—
Min spend
$1,000 / 3mo

Top earning rates

  • 10×DisneyPlus.com, Hulu.com or Stream.ESPN.com · Disney Rewards Dollars
  • 3×Gas stations and most other U.S. Disney locations · Disney Rewards Dollars
  • 2×Grocery stores and restaurants · Disney Rewards Dollars
  • 1×All other card purchases · Disney Rewards Dollars

Key benefits

  • 200 Disney Rewards Dollars on resort and cruise spend (Spend Tier) · $200
  • Complimentary DashPass · $120
  • U.S. Disney Theme Park ticket credit (Spend Tier) · $100
  • DoorDash Monthly Credit (DashPass Activated 09/01/2026-12/31/2027) · $10
  • DoorDash Quarterly Credit (DashPass Activated 02/01/2025-08/31/2026) · $10
Full Chase Disney Inspire Visa 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.

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