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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Citi AAdvantage Globe Mastercard

Bilt Palladium Card

$495/yr

Bilt Palladium Card
AAdvantage Globe Mastercard

Citi AAdvantage Globe Mastercard

$350/yr

Every $1 · two cards

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

  • Dining
    2×4.4¢ per $1
    2×2.9¢ per $1
  • Groceries
    2×4.4¢ per $1
    1×1.45¢ per $1
  • Gas
    2×4.4¢ per $1
    1×1.45¢ 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 Globe MastercardBigger welcome offer: Bilt Bilt Palladium Card

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 Globe Mastercard

Annual fee
$350
Network
mastercard
Welcome value
~$870
Min spend
$4,000 / 3mo

Top earning rates

  • 6×AAdvantage Hotels™ bookings · AAdvantage
  • 3×American Airlines purchases · AAdvantage
  • 2×Restaurants, including takeout and delivery · AAdvantage
  • 2×Rides and Rails™ purchases, including taxis, rideshares and public transit · AAdvantage

Key benefits

  • Companion Certificate · $250
  • $240 Annual Turo Credit · $240
  • First checked bag free · $140
  • Global Entry or TSA PreCheck Credit · $120
  • $100 Annual Splurge Credit · $100
Full Citi AAdvantage Globe Mastercard 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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