AllModern Mastercard vs Bilt Palladium Card
Annual fees: AllModern Mastercard $0/yr, Bilt Palladium Card $495/yr. Strongest bonus categories: AllModern Mastercard on grocery stores, Bilt Palladium Card on rent and travel.
Card data as of October 12, 2026.
AllModern MastercardCiti · No annual fee
- Bilt Palladium Card
Cardless · $495/yr
Overview
- Annual fee
- AllModern Mastercard$0LowestBilt Palladium Card$495
- Welcome offerCurrent public offer
- AllModern Mastercard—Bilt Palladium Card50,000 points
- Rewards
- AllModern MastercardAllModernBilt Palladium CardBilt Points
- Foreign transaction fee
- AllModern Mastercard3%Bilt Palladium CardNoneLowest
- Network
- AllModern MastercardMastercardBilt Palladium CardMastercard
Earn ratesPer $1 spent
- Grocery Stores
- AllModern Mastercard3xHighestBilt Palladium Card2x
- Online Shopping
- AllModern Mastercard2xBilt Palladium Card2x
- Travel
- AllModern Mastercard1xBilt Palladium Card2xHighest
- Mortgage
- AllModern Mastercard1xBilt Palladium Card1.25xHighest
- Rent
- AllModern Mastercard1xBilt Palladium Card1.25xHighest
- Everything else
- AllModern Mastercard1xBilt Palladium Card2xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- AllModern Mastercard—Bilt Palladium Card
- $400 hotel credit
- Shopping & wellness
- AllModern Mastercard—Bilt Palladium Card
- $200 Bilt Cash
- Other credits
- AllModern Mastercard
- $40 off your first order of $250+ · $40 one-time
Bilt Palladium Card—
Perks & access— means none on record
- Lounges
- AllModern Mastercard—Bilt Palladium Card
- Priority Pass Airport Lounge Access
- Other perks
- AllModern Mastercard
- 0% financing up to 24 months on orders $199+
- Free shipping on eligible AllModern orders
Bilt Palladium Card—
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- AllModern Mastercard—Bilt Palladium Card
- Trip Delay
- Rental car
- AllModern Mastercard—Bilt Palladium Card
- MasterRental Coverage
- Purchase & returns
- AllModern Mastercard
- Zero Liability on unauthorized transactions
Bilt Palladium Card- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
- Cell phone
- AllModern Mastercard—Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
- Other protections
- AllModern Mastercard
- 24/7 lost/stolen card assistance worldwide
Bilt Palladium Card—
Pros & cons
- Pros
- AllModern Mastercard—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
- AllModern Mastercard—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
Category-by-Category Winner
The Bilt Palladium Card wins in 4 of 5 categories. The AllModern Mastercard leads in 1.
Grocery Stores
AllModern Mastercard earns 3X vs 2X
Rent
Bilt Palladium Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee; no annual cap on housing payments
Mortgage
Bilt Palladium Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Travel
Bilt Palladium Card earns 2X vs 1X
Everyday purchases
Bilt Palladium Card earns 2X on all other spending vs 1X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | AllModern Mastercard | Bilt Palladium Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $156 Year one: $196 | Rewards: $480 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $285 Year one: $1,285 | Close — depends on how much of the credits you use | Bilt Palladium Card |
| Heavy spender: $4,000/month | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $624 Year one: $664 | 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 $495 more than the AllModern Mastercard (no annual fee). To justify that gap, you need to extract at least $495 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 $495 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $495 fee gap means the Bilt Palladium Card needs roughly $495 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 AllModern Mastercard means losing:
- -Airport lounge access
Which Card Is Right for You?
Get the AllModern Mastercard if you:
- +Do most of your spending at grocery stores
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
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 2X on the Bilt Palladium Card vs 1X on the other card.
Published annual fees: AllModern Mastercard $0/yr, Bilt Palladium Card $495/yr — a $495 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 $0/yr for the AllModern Mastercard. Compare the year-one vs ongoing value table on this page — the $495 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 AllModern Mastercard or Bilt Palladium Card?
- The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
- What benefits does the AllModern Mastercard have that the Bilt Palladium Card doesn't?
- The AllModern Mastercard focuses on earn rates, while the Bilt Palladium Card offers lounge access, cell phone protection.
- Should I get the AllModern Mastercard or the Bilt Palladium Card?
- Use the spend scenarios on this page: the AllModern Mastercard has a lower $0/yr fee; the Bilt Palladium Card must earn enough extra (or offer a larger welcome bonus) to justify $495/yr.
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.