Bilt Palladium Card vs Quicksilver Secured Rewards
Annual fees: Bilt Palladium Card $495/yr, Quicksilver Secured Rewards $0/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, Quicksilver Secured Rewards on everyday spending.
Card data as of October 12, 2026.
- Bilt Palladium Card
Cardless · $495/yr
Quicksilver Secured RewardsCapital One · No annual fee
Overview
- Annual fee
- Bilt Palladium Card$495Quicksilver Secured Rewards$0Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsQuicksilver Secured Rewards—
- Rewards
- Bilt Palladium CardBilt PointsQuicksilver Secured RewardsCash back
- Foreign transaction fee
- Bilt Palladium CardNoneQuicksilver Secured RewardsNone
- Network
- Bilt Palladium CardMastercardQuicksilver Secured RewardsMastercard
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Travel
- Bilt Palladium Card2xQuicksilver Secured Rewards1.5%
- Mortgage
- Bilt Palladium Card1.25xQuicksilver Secured Rewards1.5%
- Rent
- Bilt Palladium Card1.25xQuicksilver Secured Rewards1.5%
- Everything else
- Bilt Palladium Card2xQuicksilver Secured Rewards1.5%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
Quicksilver Secured Rewards— - Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
Quicksilver Secured Rewards— - Other credits
- Bilt Palladium Card—Quicksilver Secured Rewards
- Earn your deposit back and upgrade to unsecured card
- Automatic credit line reviews starting after 6 months
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
Quicksilver Secured Rewards— - Other perks
- Bilt Palladium Card—Quicksilver Secured Rewards
- Emergency card replacement service
- No foreign transaction fees
- Capital One Travel
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Palladium Card
- Trip Delay
Quicksilver Secured Rewards— - Rental car
- Bilt Palladium Card
- MasterRental Coverage
Quicksilver Secured Rewards— - Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
Quicksilver Secured Rewards- Zero Liability on unauthorized transactions
- Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
Quicksilver Secured Rewards— - Other protections
- Bilt Palladium Card—Quicksilver Secured Rewards
- Lock your card instantly from your phone
- Virtual card numbers for secure online shopping
- Credit monitoring
- 24/7 lost/stolen card assistance worldwide
Pros & cons
- Pros
- 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
Quicksilver Secured Rewards— - Cons
- 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
Quicksilver Secured Rewards—
Category-by-Category Winner
Both cards win in 2 categories each — it comes down to which categories matter most to you.
Rent
Quicksilver Secured Rewards earns 1.5X vs 1.25X
Mortgage
Quicksilver Secured Rewards 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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Bilt Palladium Card | Quicksilver Secured Rewards | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $480 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $285 Year one: $1,285 | Rewards: $180 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $180 Year one: $180 | Close — depends on how much of the credits you use | Bilt Palladium Card |
| Heavy spender: $4,000/month | Rewards: $1,920 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $1,725 Year one: $2,725 | Rewards: $720 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $720 Year one: $720 | 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 Quicksilver Secured Rewards (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 Quicksilver Secured Rewards means losing:
- -Airport lounge access
Which Card Is Right for You?
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 1.5X on the other card.
Published annual fees: Bilt Palladium Card $495/yr, Quicksilver Secured Rewards $0/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 Quicksilver Secured Rewards. 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 Bilt Palladium Card or Quicksilver Secured Rewards?
- 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 Bilt Palladium Card have that the Quicksilver Secured Rewards doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The Quicksilver Secured Rewards focuses more on earn rates than premium perks.
- Should I get the Bilt Palladium Card or the Quicksilver Secured Rewards?
- Use the spend scenarios on this page: the Quicksilver Secured Rewards 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.