Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $89/yr for the Air France KLM Visa Signature® Credit Card. Compare the year-one vs ongoing value table on this page — the $406 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Bilt Palladium Card also lists lounge access).

Which card earns more rewards, the Air France KLM Visa Signature® Credit Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.

What benefits does the Air France KLM Visa Signature® Credit Card have that the Bilt Palladium Card doesn't?

The Air France KLM Visa Signature® Credit Card focuses on earn rates, while the Bilt Palladium Card offers lounge access, cell phone protection.

Should I get the Air France KLM Visa Signature® Credit Card or the Bilt Palladium Card?

Use the spend scenarios on this page: the Air France KLM Visa Signature® Credit Card has a lower $89/yr fee; the Bilt Palladium Card must earn enough extra (or offer a larger welcome bonus) to justify $495/yr.

Air France KLM Visa Signature® Credit Card vs Bilt Palladium Card

Annual fees: Air France KLM Visa Signature® Credit Card $89/yr, Bilt Palladium Card $495/yr. Strongest bonus categories: Air France KLM Visa Signature® Credit Card on dining, Bilt Palladium Card on rent and travel.

Card data as of October 12, 2026.

Credit card comparison
Overview
	Air France KLM Visa Signature® Credit Card Bank of America · $89/yr	Bilt Palladium Card Cardless · $495/yr
Annual fee	$89 Lowest	$495
Welcome offerCurrent public offer	50,000 miles	50,000 points
Rewards	Air France/KLM Flying Blue	Bilt Points
Foreign transaction fee	None	None
Network	Visa Signature	Mastercard
Earn ratesPer $1 spent
Dining	3x Highest	2x
Travel	1.5x	2x Highest
Mortgage	1.5x Highest	1.25x
Rent	1.5x Highest	1.25x
Everything else	1.5x	2x Highest
Statement creditsAs the issuer states them · — means none on record
Travel	—	$400 hotel credit
Shopping & wellness	—	$200 Bilt Cash
Perks & access— means none on record
Lounges	—	Priority Pass Airport Lounge Access
Hotel status & programs	Up to 160 XP yearly toward Flying Blue status	—
Other perks	$0 foreign transaction fees worldwide Apple Pay, Google Pay, Samsung Pay Free overdraft protection for BofA checking	—
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Trip Delay
Rental car	—	MasterRental Coverage
Purchase & returns	—	Purchase Assurance · up to $1,000 Price Drop Protection · up to $250
Cell phone	—	Cellular Wireless Telephone Protection · up to $800
Other protections	$0 liability on fraudulent transactions	—
Pros & cons
Pros	—	$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee Earn up to 1.25X points on rent and mortgage with no transaction fees 2X points on all everyday purchases 50,000 points + $300 Bilt Cash welcome bonus (highest among Bilt cards) Transferable points to major airline and hotel partners
Cons	—	Requires high spending volume to qualify and maintain Palladium status No card-level bonus categories beyond the 2X flat rate (headline multipliers are membership-inclusive composites) Housing multiplier (up to 1.25X) depends on everyday-spend tiers or Bilt Cash redemption Benefits still lag behind premium travel cards from Chase/Amex
	Card details	Card details

Air France KLM Visa Signature® Credit Card
Bank of America · $89/yr
Bilt Palladium Card
Cardless · $495/yr

Overview

Annual fee: Air France KLM Visa Signature® Credit Card
$89
Lowest
Bilt Palladium Card
$495
Welcome offerCurrent public offer: Air France KLM Visa Signature® Credit Card
50,000 miles
Bilt Palladium Card
50,000 points
Rewards: Air France KLM Visa Signature® Credit Card
Air France/KLM Flying Blue
Bilt Palladium Card
Bilt Points
Foreign transaction fee: Air France KLM Visa Signature® Credit Card
None
Bilt Palladium Card
None
Network: Air France KLM Visa Signature® Credit Card
Visa Signature
Bilt Palladium Card
Mastercard

Earn ratesPer $1 spent

Dining: Air France KLM Visa Signature® Credit Card
3x
Highest
Bilt Palladium Card
2x
Travel: Air France KLM Visa Signature® Credit Card
1.5x
Bilt Palladium Card
2x
Highest
Mortgage: Air France KLM Visa Signature® Credit Card
1.5x
Highest
Bilt Palladium Card
1.25x
Rent: Air France KLM Visa Signature® Credit Card
1.5x
Highest
Bilt Palladium Card
1.25x
Everything else: Air France KLM Visa Signature® Credit Card
1.5x
Bilt Palladium Card
2x
Highest

Statement creditsAs the issuer states them · — means none on record

Travel: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
$400 hotel credit
Shopping & wellness: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
$200 Bilt Cash

Perks & access— means none on record

Lounges: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
Priority Pass Airport Lounge Access
Hotel status & programs: Air France KLM Visa Signature® Credit Card
Up to 160 XP yearly toward Flying Blue status
Bilt Palladium Card
—
Other perks: Air France KLM Visa Signature® Credit Card
$0 foreign transaction fees worldwide
Apple Pay, Google Pay, Samsung Pay
Free overdraft protection for BofA checking
Bilt Palladium Card
—

Protections & insuranceLimits where published · — means none on record

Trip insurance: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
Trip Delay
Rental car: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
MasterRental Coverage
Purchase & returns: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
Purchase Assurance · up to $1,000
Price Drop Protection · up to $250
Cell phone: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
Cellular Wireless Telephone Protection · up to $800
Other protections: Air France KLM Visa Signature® Credit Card
$0 liability on fraudulent transactions
Bilt Palladium Card
—

Pros & cons

Pros: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
$600+ in annual credits ($400 hotel + $200 Bilt Cash) partially offsets $495 fee
Earn up to 1.25X points on rent and mortgage with no transaction fees
2X points on all everyday purchases
50,000 points + $300 Bilt Cash welcome bonus (highest among Bilt cards)
Transferable points to major airline and hotel partners
Cons: Air France KLM Visa Signature® Credit Card
—
Bilt Palladium Card
Requires high spending volume to qualify and maintain Palladium status
No card-level bonus categories beyond the 2X flat rate (headline multipliers are membership-inclusive composites)
Housing multiplier (up to 1.25X) depends on everyday-spend tiers or Bilt Cash redemption
Benefits still lag behind premium travel cards from Chase/Amex

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Air France KLM Visa Signature® Credit Card wins in 3 of 5 categories. The Bilt Palladium Card leads in 2.

Dining

Air France KLM Visa Signature® Credit Card earns 3X vs 2X

Rent

Air France KLM Visa Signature® Credit Card earns 1.5X vs 1.25X

Mortgage

Air France KLM Visa Signature® Credit Card earns 1.5X vs 1.25X

Travel

Bilt Palladium Card earns 2X vs 1.5X

Everyday purchases

Bilt Palladium Card earns 2X on all other spending vs 1.5X

Year One vs Ongoing Value

Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.

Both scenarios favor the Bilt Palladium Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Air France KLM Visa Signature® Credit Card	Bilt Palladium Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $207 Credits (our usable estimate): $0 − Annual fee ($89) Ongoing: $118 Year one: $618	Rewards: $480 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $285 Year one: $1,285	Bilt Palladium Card	Bilt Palladium Card
Heavy spender: $4,000/month	Rewards: $828 Credits (our usable estimate): $0 − Annual fee ($89) Ongoing: $739 Year one: $1,239	Rewards: $1,920 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $1,725 Year one: $2,725	Bilt Palladium Card	Bilt Palladium Card

Is the Fee Difference Worth It?

The Bilt Palladium Card costs $495/yr — that's $406 more than the Air France KLM Visa Signature® Credit Card ($89/yr). To justify that gap, you need to extract at least $406 in annual value from the card's higher earn rates and benefits.

The Bilt Palladium Card includes lounge access. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $406 fee gap for your own usage.

Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $406 fee gap means the Bilt Palladium Card needs roughly $406 more in annual rewards (or credits you will use) to break even on travel and rent and everyday spend.

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Air France KLM Visa Signature® Credit Card means losing:

-Airport lounge access

Which Card Is Right for You?

Get the Air France KLM Visa Signature® Credit Card if you:

+Spend $300+/month on restaurants and dining out

Get the Bilt Palladium Card if you:

+Fly frequently and value airport lounge access
+Prefer a high flat rate across all spending

The Bottom Line

Both scenarios favor the Bilt Palladium Card on net value (rewards, usable credits, fees, and welcome offer).

Everyday (non-bonus) spend earns 2X on the Bilt Palladium Card vs 1.5X on the other card.

Published annual fees: Air France KLM Visa Signature® Credit Card $89/yr, Bilt Palladium Card $495/yr — a $406 difference before welcome offers and credits.

Frequently Asked Questions

Is the Bilt Palladium Card worth the higher annual fee?: The Bilt Palladium Card costs $495/yr vs $89/yr for the Air France KLM Visa Signature® Credit Card. Compare the year-one vs ongoing value table on this page — the $406 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Bilt Palladium Card also lists lounge access).
Which card earns more rewards, the Air France KLM Visa Signature® Credit Card or Bilt Palladium Card?: The Bilt Palladium Card has a higher base earn rate (2X vs 1.5X), but both cards have different bonus categories where they excel.
What benefits does the Air France KLM Visa Signature® Credit Card have that the Bilt Palladium Card doesn't?: The Air France KLM Visa Signature® Credit Card focuses on earn rates, while the Bilt Palladium Card offers lounge access, cell phone protection.
Should I get the Air France KLM Visa Signature® Credit Card or the Bilt Palladium Card?: Use the spend scenarios on this page: the Air France KLM Visa Signature® Credit Card has a lower $89/yr fee; the Bilt Palladium Card must earn enough extra (or offer a larger welcome bonus) to justify $495/yr.

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Official issuer pages: Bank of America cards · Cardless cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.