Perqt AI Wallet logo
All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase Marriott Bonvoy Bountiful

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Marriott Bonvoy Bountiful

Chase Marriott Bonvoy Bountiful

$250/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Chase Marriott Bonvoy Bountiful in 0

  • Dining
    2×4.4¢ per $1
    4×3¢ per $1

    up to $15,000/yr

  • Groceries
    2×4.4¢ per $1
    4×3¢ per $1

    up to $15,000/yr

  • Gas
    2×4.4¢ per $1
    2×1.5¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    2×1.5¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    2×1.5¢ per $1
  • Everything else
    2×4.4¢ per $1
    2×1.5¢ 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 Marriott Bonvoy BountifulBigger 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

Marriott Bonvoy Bountiful

Annual fee
$250
Network
visa
Welcome value
~$638
Min spend
$4,000 / 3mo

Top earning rates

  • 6×Hotels participating in Marriott Bonvoy · Marriott Bonvoy
  • 4×Grocery stores and dining · Marriott Bonvoy
  • 2×All other purchases · Marriott Bonvoy

Key benefits

  • 50,000-point Free Night Award (Spend Tier) · $420
  • Quarterly DoorDash non-restaurant discount · $10
  • Marriott Bonvoy® Gold Elite Status · $0
  • Lost Luggage Reimbursement · $0
  • 15 Elite Night Credits · $0
Full Chase Marriott Bonvoy Bountiful 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