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All comparisons
Head-to-head, 2026

Bilt Bilt Palladium Card Wells Fargo Choice Privileges Select

Bilt Palladium Card

$495/yr

Bilt Palladium Card
Choice Privileges Select

Wells Fargo Choice Privileges Select

$95/yr

Every $1 · two cards

Bilt Palladium Card earns more in 9 of 9 categories · Wells Fargo Choice Privileges Select in 0

  • Dining
    2×4.4¢ per $1
    1×0.85¢ per $1
  • Groceries
    2×4.4¢ per $1
    5×4.25¢ per $1
  • Gas
    2×4.4¢ per $1
    5×4.25¢ per $1
  • Flights
    3×6.6¢ per $1

    via Bilt Travel

    1×0.85¢ per $1
  • Hotels
    4×8.8¢ per $1

    via Bilt Travel

    1×0.85¢ per $1
  • Everything else
    2×4.4¢ per $1
    1×0.85¢ 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: Wells Fargo Choice Privileges SelectBigger 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

Wells Fargo

Choice Privileges Select

Annual fee
$95
Network
visa
Welcome value
~$510
Min spend
$3,000 / 3mo

Top earning rates

  • 10×Stays at participating Choice Hotels® properties · Choice Privileges
  • 10×Choice Privileges point purchases · Choice Privileges
  • 5×Purchases at gas stations, grocery stores, home improvement stores and on phone plan services · Choice Privileges
  • 1×Other purchases · Choice Privileges

Key benefits

  • 30,000-point anniversary bonus · $210
  • Trusted Traveler Program credit · $120
  • Cellular Telephone Protection · $0
  • Mastercard ID Theft Protection · $0
  • Mastercard Global Service · $0
Full Wells Fargo Choice Privileges Select 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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