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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase Freedom Flex

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Freedom Flex

Chase Freedom Flex

$0/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Chase Freedom Flex in 0

  • Dining
    2×4.4¢ per $1
    3%3¢ per $1
  • Groceries
    2×4.4¢ per $1
    1%1¢ 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 Chase Travel

  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    5%5¢ per $1

    via Chase 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: Chase Freedom FlexBigger 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

Chase

Freedom Flex

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

Top earning rates

  • 5×Travel · Cash Back rewards
  • 5×Rotating categories
  • 3×Dining at restaurants
  • 3×Drugstore purchases

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • World Elite Mastercard benefits · $0
  • Auto Rental Collision Damage Waiver · $0
  • 24/7 Fraud Monitoring · $0
  • Extended Warranty · $0
Full Chase Freedom Flex 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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