Bilt Bilt Palladium Card Gemini Gemini Credit Card
Bilt Palladium Card
$495/yr
Gemini Credit Card
$0/yr
Every $1 · two cards
Bilt Palladium Card earns more in 9 of 9 categories · Gemini Credit Card in 0
- Dining2×4.4¢ per $11%1¢ per $1
- Groceries2×4.4¢ per $12%2¢ per $1
- Gas2×4.4¢ per $14%4¢ per $1
up to $300/mo
- Flights3×6.6¢ per $1
via Bilt Travel
1%1¢ per $1 - Hotels4×8.8¢ per $1
via Bilt Travel
1%1¢ per $1 - Everything else2×4.4¢ per $11%1¢ 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
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
Gemini
Gemini Credit Card
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- —
- Min spend
- —
Top earning rates
- 10×The Internet’s Favorite Brands
- 4×Gas, EV charging, transit, taxis & rideshare
- 2×Groceries
- 1×Everything else
Key benefits
- Instacart $10 Off Second Order · $10
- Lyft Take 3, Get $5 · $5
- Peacock $3 Monthly Credit · $3
- Mastercard Transit Benefit · $3
- Mastercard Golf · $0
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.
Get my personal answer