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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase Southwest Rapid Rewards Performance Business

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Southwest Rapid Rewards Performance Business

Chase Southwest Rapid Rewards Performance Business

$299/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Chase Southwest Rapid Rewards Performance Business in 0

  • Dining
    2×4.4¢ per $1
    2×2.5¢ per $1
  • Groceries
    2×4.4¢ per $1
    1×1.25¢ per $1
  • Gas
    2×4.4¢ per $1
    2×2.5¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    1×1.25¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    2×2.5¢ per $1
  • Everything else
    2×4.4¢ per $1
    1×1.25¢ 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 Southwest Rapid Rewards Performance BusinessBigger 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

Southwest Rapid Rewards Performance Business

Annual fee
$299
Network
visa
Welcome value
~$1,000
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Qualifying Lyft products and services · Rapid Rewards
  • 4×Southwest Airlines® purchases · Rapid Rewards
  • 2×Gas stations and restaurants · Rapid Rewards
  • 2×Local transit and commuting, including rideshare · Rapid Rewards

Key benefits

  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • First checked bag free · $90
  • Monthly Instacart credit · $10
  • Quarterly DoorDash non-restaurant discount · $10
  • Baggage Delay Insurance · $0
Full Chase Southwest Rapid Rewards Performance Business 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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