Bilt Palladium Card vs Costco Anywhere Visa Card by Citi
Annual fees: Bilt Palladium Card $495/yr, Costco Anywhere Visa Card by Citi $0/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, Costco Anywhere Visa Card by Citi on gas stations.
Card data as of October 12, 2026.
- Bilt Palladium Card
Cardless · $495/yr
Costco Anywhere Visa Card by CitiCiti · No annual fee
Overview
- Annual fee
- Bilt Palladium Card$495Costco Anywhere Visa Card by Citi$0Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsCostco Anywhere Visa Card by Citi—
- Rewards
- Bilt Palladium CardBilt PointsCostco Anywhere Visa Card by CitiCash back
- Foreign transaction fee
- Bilt Palladium CardNoneCostco Anywhere Visa Card by CitiNone
- Network
- Bilt Palladium CardMastercardCostco Anywhere Visa Card by CitiVisa
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Gas Stations
- Bilt Palladium Card2xCostco Anywhere Visa Card by Citi4%
- Dining
- Bilt Palladium Card2xCostco Anywhere Visa Card by Citi3%
- Travel
- Bilt Palladium Card2xCostco Anywhere Visa Card by Citi3%
- Mortgage
- Bilt Palladium Card1.25xCostco Anywhere Visa Card by Citi1%
- Rent
- Bilt Palladium Card1.25xCostco Anywhere Visa Card by Citi1%
- Everything else
- Bilt Palladium Card2xCostco Anywhere Visa Card by Citi1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
Costco Anywhere Visa Card by Citi— - Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
Costco Anywhere Visa Card by Citi—
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
Costco Anywhere Visa Card by Citi— - Other perks
- Bilt Palladium Card—Costco Anywhere Visa Card by Citi
- No foreign transaction fees
- Citi Entertainment®
- Roadside assistance dispatch service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Palladium Card
- Trip Delay
Costco Anywhere Visa Card by Citi— - Rental car
- Bilt Palladium Card
- MasterRental Coverage
Costco Anywhere Visa Card by Citi- Worldwide car rental insurance
- Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
Costco Anywhere Visa Card by Citi- Zero Liability on unauthorized charges
- Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
Costco Anywhere Visa Card by Citi— - Other protections
- Bilt Palladium Card—Costco Anywhere Visa Card by Citi
- Free FICO® Score updated monthly
- 24/7 travel and emergency assistance
- 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
Costco Anywhere Visa Card by Citi- No card annual fee (membership required separately)
- 4% cash back on gas (up to $7K annual spend)
- 3% cash back on restaurants and travel
- 2% cash back at Costco warehouse and Costco.com
- 1% on all other purchases
- 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
Costco Anywhere Visa Card by Citi- Requires Costco membership ($65/year Gold Star minimum)
- 4% gas rate capped at $7K/year ($280 max annual gas rewards)
- 1% fallback after gas cap is spent
- No premium travel benefits or insurance
- Limited to Visa network (some merchants may not accept)
Category-by-Category Winner
The Bilt Palladium Card wins in 3 of 5 categories. The Costco Anywhere Visa Card by Citi leads in 2. 1 more category 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
Costco Anywhere Visa Card by Citi earns 3X vs 2X
Gas Stations
Depends: up to $7,000/yr
Costco Anywhere Visa Card by Citi earns 4X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Dining
Costco Anywhere Visa Card by Citi earns 3X vs 2X
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 | Costco Anywhere Visa Card by Citi | 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 Costco Anywhere Visa Card by Citi (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 Costco Anywhere Visa Card by Citi 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 Costco Anywhere Visa Card by Citi if you:
- +Spend $300+/month on restaurants and dining out
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, Costco Anywhere Visa Card by Citi $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 Costco Anywhere Visa Card by Citi. 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 Costco Anywhere Visa Card by Citi?
- 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 Costco Anywhere Visa Card by Citi doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The Costco Anywhere Visa Card by Citi focuses more on earn rates than premium perks.
- Should I get the Bilt Palladium Card or the Costco Anywhere Visa Card by Citi?
- Use the spend scenarios on this page: the Costco Anywhere Visa Card by Citi 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.