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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Chase United Quest

Bilt Palladium Card

$495/yr

Bilt Palladium Card
United Quest

Chase United Quest

$350/yr

Every $1 · two cards

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

    2×2.4¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    5×6¢ per $1

    via Renowned Hotels and Resorts

  • 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 Quest

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 Quest

Annual fee
$350
Network
visa
Welcome value
—
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Hotel stays · MileagePlus
  • 4×Eligible United flights · MileagePlus
  • 4×All other eligible United purchases · MileagePlus
  • 4×United Card Events from Chase · MileagePlus

Key benefits

  • Free first and second checked bags · $440
  • $200 annual United travel credit · $200
  • JSX statement credit · $150
  • Renowned Hotels and Resorts statement credit · $150
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
Full Chase United Quest 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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