Bilt Bilt Palladium Card HSBC Premier World Elite
Bilt Palladium Card
$495/yr
HSBC Premier World Elite
$495/yr
Every $1 · two cards
Bilt Palladium Card earns more in 9 of 9 categories · HSBC Premier World Elite in 0
- Dining2×4.4¢ per $12×2¢ per $1
- Groceries2×4.4¢ per $11×1¢ per $1
- Gas2×4.4¢ per $11×1¢ per $1
- Flights3×6.6¢ per $1
via Bilt Travel
5×5¢ per $1 - Hotels4×8.8¢ per $1
via Bilt Travel
5×5¢ 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
HSBC
Premier World Elite
- Annual fee
- $495
- Network
- mastercard
- Welcome value
- $900
- Min spend
- $4,000 / 3mo
Top earning rates
- 5×Eligible Travel · HSBC Rewards
- 2×Other Travel · HSBC Rewards
- 2×Dining · HSBC Rewards
- 1×All other purchases · HSBC Rewards
Key benefits
- HSBC Travel Credit ($100 per $2,000 spent through HSBC Travel) (Spend Tier) · $400
- Security screening application fee credit · $120
- Soho Friends membership and $100 annual stay credit · $100
- Rideshare Statement Credit · $10
- Instacart+ membership and monthly order discount · $10
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