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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase Southwest Rapid Rewards Plus

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Southwest Rapid Rewards Plus

Chase Southwest Rapid Rewards Plus

$99/yr

Every $1 · two cards

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

  • Dining
    2×4.4¢ per $1
    1×1.25¢ per $1
  • Groceries
    2×4.4¢ per $1
    2×2.5¢ per $1

    up to $5,000/yr

  • Gas
    2×4.4¢ per $1
    2×2.5¢ per $1

    up to $5,000/yr

  • Flights
    3×6.6¢ per $1

    via Bilt Travel

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

    via Bilt Travel

    1×1.25¢ 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 PlusBigger 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 Plus

Annual fee
$99
Network
visa
Welcome value
~$1,000
Min spend
$1,000 / 3mo

Top earning rates

  • 2×Southwest Airlines® purchases, including flights, inflight, and Southwest® gift cards · Rapid Rewards
  • 2×Qualifying Lyft products and services purchased through the Lyft mobile application · Rapid Rewards
  • 2×Gas stations and grocery stores · Rapid Rewards
  • 1×All other purchases · Rapid Rewards

Key benefits

  • Free first checked bag · $90
  • Monthly Instacart credit · $10
  • DoorDash non-restaurant order discount · $10
  • 3,000 bonus points each account anniversary year · $0
  • Baggage Delay Insurance · $0
Full Chase Southwest Rapid Rewards Plus 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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