Bilt Bilt Palladium Card Chase United Club Infinite
Bilt Palladium Card
$495/yr
Chase United Club Infinite
$695/yr
Every $1 · two cards
Bilt Palladium Card earns more in 9 of 9 categories · Chase United Club Infinite in 0
- Dining2×4.4¢ per $12×2.4¢ per $1
- Groceries2×4.4¢ per $11×1.2¢ per $1
- Gas2×4.4¢ per $11×1.2¢ per $1
- Flights3×6.6¢ per $1
via Bilt Travel
2×2.4¢ per $1 - Hotels4×8.8¢ per $1
via Bilt Travel
5×6¢ per $1via Renowned Hotels and Resorts
- Everything else2×4.4¢ per $11×1.2¢ 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
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
Chase
United Club Infinite
- Annual fee
- $695
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 5×Eligible United flights · MileagePlus
- 5×All other eligible United purchases · MileagePlus
- 5×Hotel stays · MileagePlus
- 2×All other travel · MileagePlus
Key benefits
- Free first and second checked bags · $440
- JSX statement credit · $200
- Renowned Hotels and Resorts credit · $200
- Rideshare statement credit · $150
- Global Entry, TSA PreCheck or NEXUS fee credit · $120
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