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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase United Explorer

Bilt Palladium Card

$495/yr

Bilt Palladium Card
United Explorer

Chase United Explorer

$150/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Chase United Explorer in 0

  • Dining
    2×4.4¢ per $1
    2×2.4¢ per $1
  • Groceries
    2×4.4¢ per $1
    1×1.2¢ per $1
  • Gas
    2×4.4¢ per $1
    1×1.2¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    1×1.2¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    2×2.4¢ per $1
  • Everything else
    2×4.4¢ per $1
    1×1.2¢ 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

Lower annual fee: Chase United Explorer

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

United Explorer

Annual fee
$150
Network
visa
Welcome value
—
Min spend
$3,000 / 3mo

Top earning rates

  • 3×All other eligible United® purchases · MileagePlus
  • 2×Hotel stays when booked directly with the hotel · MileagePlus
  • 2×Dining · MileagePlus
  • 1×All other purchases · MileagePlus

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 United travel credit (Spend Tier) · $100
  • $100 JSX Statement Credit · $100
  • United Hotels credits · $100
Full Chase United Explorer 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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