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Head-to-head, 2026

Bilt Bilt Palladium Card Chase World of Hyatt

Bilt Palladium Card

$495/yr

Bilt Palladium Card
World of Hyatt

Chase World of Hyatt

$95/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Chase World of Hyatt in 0

  • Dining
    2×4.4¢ per $1
    2×3.3¢ per $1
  • Groceries
    2×4.4¢ per $1
    1×1.65¢ per $1
  • Gas
    2×4.4¢ per $1
    1×1.65¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    2×3.3¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    1×1.65¢ per $1
  • Everything else
    2×4.4¢ per $1
    1×1.65¢ 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 World of Hyatt

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

World of Hyatt

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 4×Qualifying purchases made at Hyatt hotels and resorts participating in the World of Hyatt Program and on purchases of World of Hyatt Experiences · World of Hyatt
  • 2×Restaurants, on airline tickets purchased directly from airlines, on local transit and commuting (taxis, mass transit, tolls, parking, ride-share), and on fitness club & gym memberships · World of Hyatt
  • 1×All other purchases · World of Hyatt Bonus Points

Key benefits

  • Annual Category 1–4 free night · $255
  • Extra Category 1–4 free night (Spend Tier) · $255
  • Quarterly DoorDash non-restaurant discount · $10
  • 2 tier-qualifying nights per $5,000 spent (Spend Tier) · $0
  • Hyatt points do not expire while card is open · $0
Full Chase World of Hyatt 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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