Perqt AI Wallet logo
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 CardBigger welcome offer: Chase Sapphire Reserve

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Bilt dining
  • 4×Hotels
  • 4×Everyday purchases · Bilt Cash
  • 4×Lyft

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

Sapphire Reserve

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

Top earning rates

  • 10×Eligible Peloton equipment and accessory purchases over $150 · Ultimate Rewards
  • 8×Chase Travel purchases · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 4×Flights and hotels booked direct · Ultimate Rewards

Key benefits

  • Common Carrier Travel Accident Insurance · $1000000
  • Emergency Evacuation and Transportation · $100000
  • Auto Rental Collision Damage Waiver · $75000
  • Extended Warranty · $10000
  • Purchase Protection · $10000
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.

Get my personal answer