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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase Sapphire Reserve

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Bilt Bilt Palladium Card

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 6×Dining · Bilt Rewards
  • 4×Travel · Bilt Rewards
  • 3×Dining · Bilt Rewards
  • 2×Travel · Bilt Rewards

Key benefits

  • Annual $200 Bilt Cash · $200
  • No transaction fees on housing payments · $0
  • No foreign transaction fees · $0
  • Priority Pass lounge access · $0
  • Purchase Assurance · $0
Full Bilt Bilt Palladium Card review

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$2,000
Min spend
$6,000 / 3mo

Top earning rates

  • 10×Peloton equipment and accessory purchases
  • 8×Chase Travel purchases
  • 5×Qualifying Lyft products and services
  • 4×Flights and hotels booked direct

Key benefits

  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Coverage · $75000
  • Trip Cancellation and Interruption Insurance · $10000
  • Purchase Protection · $10000
  • Lost Luggage Reimbursement · $3000
Full Chase Sapphire Reserve 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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