Bilt Palladium Card vs GM Rewards™ Mastercard®
Annual fees: Bilt Palladium Card $495/yr, GM Rewards™ Mastercard® $0/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, GM Rewards™ Mastercard® on everyday spending.
Card data as of November 13, 2026.
Bilt Palladium CardCardless · $495/yr
GM Rewards™ Mastercard®Barclays · No annual fee
Overview
- Annual fee
- Bilt Palladium Card$495GM Rewards™ Mastercard®$0Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsGM Rewards™ Mastercard®30,000 points
- Rewards
- Bilt Palladium CardBilt PointsGM Rewards™ Mastercard®General Motors
- Foreign transaction fee
- Bilt Palladium CardNoneLowestGM Rewards™ Mastercard®3%
- Network
- Bilt Palladium CardMastercardGM Rewards™ Mastercard®Mastercard World Elite
Earn ratesPer $1 spent
- Mortgage
- Bilt Palladium Card1.25xGM Rewards™ Mastercard®3xHighest
- Rent
- Bilt Palladium Card1.25xGM Rewards™ Mastercard®3xHighest
- Travel
- Bilt Palladium Card2xGM Rewards™ Mastercard®3xHighest
- Everything else
- Bilt Palladium Card2xGM Rewards™ Mastercard®3xHighest
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
GM Rewards™ Mastercard®— - Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
GM Rewards™ Mastercard®—
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
GM Rewards™ Mastercard®—
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Palladium Card
- Trip Delay
GM Rewards™ Mastercard®— - Rental car
- Bilt Palladium Card
- MasterRental Coverage
GM Rewards™ Mastercard®— - Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
GM Rewards™ Mastercard®— - Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
GM Rewards™ Mastercard®— - Other protections
- Bilt Palladium Card—GM Rewards™ Mastercard®
- Free FICO Credit Score + change alerts
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
GM Rewards™ Mastercard®— - 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
GM Rewards™ Mastercard®—
Category-by-Category Winner
The GM Rewards™ Mastercard® wins in 4 of 4 categories. The Bilt Palladium Card leads in 0.
Rent
GM Rewards™ Mastercard® earns 3X vs 1.25X
Mortgage
GM Rewards™ Mastercard® earns 3X vs 1.25X
Travel
GM Rewards™ Mastercard® earns 3X vs 2X
Everyday purchases
GM Rewards™ Mastercard® earns 3X on all other spending vs 2X
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 | GM Rewards™ Mastercard® | 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: $360 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $360 Year one: $360 | 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: $1,440 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $1,440 Year one: $1,440 | 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 GM Rewards™ 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 GM Rewards™ Mastercard® 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
Get the GM Rewards™ Mastercard® if you:
- +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 3X on the GM Rewards™ Mastercard® vs 2X on the other card.
Published annual fees: Bilt Palladium Card $495/yr, GM Rewards™ Mastercard® $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 GM Rewards™ 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 Bilt Palladium Card or GM Rewards™ Mastercard®?
- The GM Rewards™ Mastercard® has a higher base earn rate (3X vs 2X), but both cards have different bonus categories where they excel.
- What benefits does the Bilt Palladium Card have that the GM Rewards™ Mastercard® doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The GM Rewards™ Mastercard® focuses more on earn rates than premium perks.
- Should I get the Bilt Palladium Card or the GM Rewards™ Mastercard®?
- Use the spend scenarios on this page: the GM Rewards™ 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 November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.