Bilt Palladium Card vs Chase Sapphire Preferred Card
Annual fees: Bilt Palladium Card $495/yr, Chase Sapphire Preferred Card $95/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, Chase Sapphire Preferred Card on travel.
Card data as of November 13, 2026.
Bilt Palladium CardCardless · $495/yr
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Bilt Palladium Card$495Chase Sapphire Preferred Card$95Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsChase Sapphire Preferred Card75,000 points
- Rewards
- Bilt Palladium CardBilt PointsChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Bilt Palladium CardNoneChase Sapphire Preferred CardNone
- Network
- Bilt Palladium CardMastercardChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Bilt Palladium Card2xChase Sapphire Preferred Card3xHighest
- Electric Vehicle Charging
- Bilt Palladium Card2xChase Sapphire Preferred Card3xHighest
- Gas Stations
- Bilt Palladium Card2xChase Sapphire Preferred Card3xHighest
- Grocery Stores
- Bilt Palladium Card2xChase Sapphire Preferred Card3xHighest
- Streaming
- Bilt Palladium Card2xChase Sapphire Preferred Card3xHighest
- Vacation Rentals
- Bilt Palladium Card2xChase Sapphire Preferred Card3xHighest
- Travel
- Bilt Palladium Card2xChase Sapphire Preferred Card2x
- Mortgage
- Bilt Palladium Card1.25xHighestChase Sapphire Preferred Card1x
- Rent
- Bilt Palladium Card1.25xHighestChase Sapphire Preferred Card1x
- Everything else
- Bilt Palladium Card2xHighestChase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
Chase Sapphire Preferred Card- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Bilt Palladium Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
- Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
Chase Sapphire Preferred Card—
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
Chase Sapphire Preferred Card— - Other perks
- Bilt Palladium Card—Chase Sapphire Preferred Card
- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Palladium Card
- Trip Delay
Chase Sapphire Preferred Card- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Bilt Palladium Card—Chase Sapphire Preferred Card
- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Bilt Palladium Card
- MasterRental Coverage
Chase Sapphire Preferred Card- Auto Rental Coverage
- Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Bilt Palladium Card—Chase Sapphire Preferred Card
- Extended Warranty Protection adds 1 extra year
- Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
Chase Sapphire Preferred Card— - Other protections
- Bilt Palladium Card—Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
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
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- 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
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 5 of 8 categories. The Bilt Palladium Card leads in 3. 5 more categories depend on booking channel or caps.
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
Depends: via Chase Travel portal
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Dining
Chase Sapphire Preferred Card earns 3X vs 2X
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 2X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 2X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 2X
Streaming
Chase Sapphire Preferred Card earns 3X vs 2X
Grocery Stores
Depends: Online purchases only. Excludes Target, Walmart, Wholesale Clubs. Grocery pickup or delivery must be ordered online and qualify under Chase's online grocery category. Excludes membership and subscription fees, supermarket pharmacies, gift cards and gift baskets.
Chase Sapphire Preferred Card earns 3X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
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 | Bilt Palladium Card | Chase Sapphire Preferred Card | 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: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Close — depends on how much of the credits you use | Chase Sapphire Preferred 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: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Bilt Palladium Card | Close — depends on how much of the credits you use |
Is the Fee Difference Worth It?
The Bilt Palladium Card costs $495/yr — that's $400 more than the Chase Sapphire Preferred Card ($95/yr). To justify that gap, you need to extract at least $400 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 $400 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $400 fee gap means the Bilt Palladium Card needs roughly $400 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 Chase Sapphire Preferred Card 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
Get the Chase Sapphire Preferred Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
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: Bilt Palladium Card $495/yr, Chase Sapphire Preferred Card $95/yr — a $400 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 $95/yr for the Chase Sapphire Preferred Card. Compare the year-one vs ongoing value table on this page — the $400 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 Chase Sapphire Preferred 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 Bilt Palladium Card have that the Chase Sapphire Preferred Card doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The Chase Sapphire Preferred Card focuses more on earn rates than premium perks.
- Should I get the Bilt Palladium Card or the Chase Sapphire Preferred Card?
- Use the spend scenarios on this page: the Chase Sapphire Preferred Card has a lower $95/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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.