Bilt Bilt Palladium Card Chase IHG One Rewards Premier
Bilt Palladium Card
$495/yr
Chase IHG One Rewards Premier
$99/yr
Every $1 · two cards
Bilt Palladium Card earns more in 9 of 9 categories · Chase IHG One Rewards Premier in 0
- Dining2×4.4¢ per $15×3¢ per $1
- Groceries2×4.4¢ per $15×3¢ per $1
- Gas2×4.4¢ per $15×3¢ per $1
- Flights3×6.6¢ per $1
via Bilt Travel
5×3¢ per $1 - Hotels4×8.8¢ per $1
via Bilt Travel
5×3¢ per $1 - Everything else2×4.4¢ per $13×1.8¢ 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
Chase
IHG One Rewards Premier
- Annual fee
- $99
- Network
- mastercard
- Welcome value
- ~$1,080
- Min spend
- $3,000 / 3mo
Top earning rates
- 10×Hotels participating in IHG One Rewards · IHG One Rewards
- 5×Grocery stores; gas stations; dining at restaurants including takeout and eligible delivery services · IHG One Rewards
- 5×Travel rewards category · IHG One Rewards
- 3×All other purchases · IHG One Rewards
Key benefits
- Anniversary Free Night · $250
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
- $100 Annual Airline Statement Credit · $100
- Up to $50 United TravelBank Cash Each Year ($25 Semi-Annual) · $25
- Up to $100 in Annual IHG Food & Beverage Rewards ($25 Quarterly) · $25
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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