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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Citi AAdvantage Business

Bilt Palladium Card

$495/yr

Bilt Palladium Card
AAdvantage Business

Citi AAdvantage Business

$99/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Citi AAdvantage Business in 0

  • Dining
    2×4.4¢ per $1
    1×1.45¢ per $1
  • Groceries
    2×4.4¢ per $1
    1×1.45¢ per $1
  • Gas
    2×4.4¢ per $1
    2×2.9¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    1×1.45¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    1×1.45¢ per $1
  • Everything else
    2×4.4¢ per $1
    1×1.45¢ 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: Citi AAdvantage BusinessBigger welcome offer: Citi AAdvantage Business

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

Citi

AAdvantage Business

Annual fee
$99
Network
mastercard
Welcome value
~$1,088
Min spend
$5,000 / 5mo

Top earning rates

  • 2×Eligible American Airlines purchases · AAdvantage
  • 2×Gas stations and car rental merchants · AAdvantage
  • 2×Telecommunications merchants and cable and satellite providers · AAdvantage
  • 1×All other purchases · AAdvantage

Key benefits

  • Companion Certificate (Spend Tier) · $250
  • First checked bag free · $140
  • 25% Inflight Savings · $0
  • No Foreign Transaction Fees · $0
  • Citi Entertainment access · $0
Full Citi AAdvantage Business 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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