Bilt Bilt Palladium Card vs Luxury Card Mastercard Black Card

Bilt Palladium Card

$495/yr

VS

Luxury Card Mastercard Black Card

$699/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Luxury Card Mastercard Black Card in 0

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

  via Bilt Travel

  2×2¢ per $1

  via LuxuryCardTravel.com

• Hotels
  4×8.8¢ per $1

  via Bilt Travel

  2×2¢ per $1

  via LuxuryCardTravel.com

• Everything else
  2×4.4¢ per $1
  1×1¢ 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.