Which card earns more rewards, the Bilt Palladium Card or Imagine Visa Credit 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 Imagine Visa Credit Card doesn't?

The Bilt Palladium Card offers lounge access, cell phone protection. The Imagine Visa Credit Card focuses more on earn rates than premium perks.

Should I get the Bilt Palladium Card or the Imagine Visa Credit Card?

Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.

Bilt Palladium Card vs Imagine Visa Credit Card

The Bilt Palladium Card leads on rent and travel; the Imagine Visa Credit Card leads on gas stations. See category winners and spend scenarios below.

Card data as of October 11, 2026.

Credit card comparison
Overview
	Bilt Palladium Card Cardless · $495/yr	Imagine Visa Credit Card WebBank · $99 or $125 or $175/yr by version (set at approval)
Annual fee	$495	$99 or $125 or $175 $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval
Welcome offerCurrent public offer	50,000 points	—
Rewards	Bilt Points	—
Foreign transaction fee	None Lowest	3%
Network	Mastercard	Visa
Earn ratesPer $1 spent
Gas Stations	2x	3x Highest
Grocery Stores	2x	3x Highest
Utilities	2x	3x Highest
Travel	2x Highest	1x
Mortgage	1.25x Highest	1x
Rent	1.25x Highest	1x
Everything else	2x Highest	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$400 hotel credit	—
Shopping & wellness	$200 Bilt Cash	—
Perks & access— means none on record
Lounges	Priority Pass Airport Lounge Access	—
Other perks	—	Easy account management online and mobile Unsecured card—no deposit needed
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip Delay	—
Rental car	MasterRental Coverage	—
Purchase & returns	Purchase Assurance · up to $1,000 Price Drop Protection · up to $250	—
Cell phone	Cellular Wireless Telephone Protection · up to $800	—
Other protections	—	3-bureau credit reporting $0 fraud liability—you're protected
Pros & cons
Pros	$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	No security deposit required (unsecured card) Reports to all three major credit bureaus (Experian, Equifax, TransUnion) Available to consumers with poor or limited credit Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
Cons	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	High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year) Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee Very high APR (36%) Cash back redeems only as an automatic annual statement credit Low initial credit limit (typically $300)
	Card details	Card details

Bilt Palladium Card
Cardless · $495/yr
Imagine Visa Credit Card
WebBank · $99 or $125 or $175/yr by version (set at approval)

Overview

Annual fee: Bilt Palladium Card
$495
Imagine Visa Credit Card
$99 or $125 or $175
$99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval
Welcome offerCurrent public offer: Bilt Palladium Card
50,000 points
Imagine Visa Credit Card
—
Rewards: Bilt Palladium Card
Bilt Points
Imagine Visa Credit Card
—
Foreign transaction fee: Bilt Palladium Card
None
Lowest
Imagine Visa Credit Card
3%
Network: Bilt Palladium Card
Mastercard
Imagine Visa Credit Card
Visa

Earn ratesPer $1 spent

Gas Stations: Bilt Palladium Card
2x
Imagine Visa Credit Card
3x
Highest
Grocery Stores: Bilt Palladium Card
2x
Imagine Visa Credit Card
3x
Highest
Utilities: Bilt Palladium Card
2x
Imagine Visa Credit Card
3x
Highest
Travel: Bilt Palladium Card
2x
Highest
Imagine Visa Credit Card
1x
Mortgage: Bilt Palladium Card
1.25x
Highest
Imagine Visa Credit Card
1x
Rent: Bilt Palladium Card
1.25x
Highest
Imagine Visa Credit Card
1x
Everything else: Bilt Palladium Card
2x
Highest
Imagine Visa Credit Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Bilt Palladium Card
$400 hotel credit
Imagine Visa Credit Card
—
Shopping & wellness: Bilt Palladium Card
$200 Bilt Cash
Imagine Visa Credit Card
—

Perks & access— means none on record

Lounges: Bilt Palladium Card
Priority Pass Airport Lounge Access
Imagine Visa Credit Card
—
Other perks: Bilt Palladium Card
—
Imagine Visa Credit Card
Easy account management online and mobile
Unsecured card—no deposit needed

Protections & insuranceLimits where published · — means none on record

Trip insurance: Bilt Palladium Card
Trip Delay
Imagine Visa Credit Card
—
Rental car: Bilt Palladium Card
MasterRental Coverage
Imagine Visa Credit Card
—
Purchase & returns: Bilt Palladium Card
Purchase Assurance · up to $1,000
Price Drop Protection · up to $250
Imagine Visa Credit Card
—
Cell phone: Bilt Palladium Card
Cellular Wireless Telephone Protection · up to $800
Imagine Visa Credit Card
—
Other protections: Bilt Palladium Card
—
Imagine Visa Credit Card
3-bureau credit reporting
$0 fraud liability—you're protected

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
Imagine Visa Credit Card
No security deposit required (unsecured card)
Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
Available to consumers with poor or limited credit
Earns 3% cash back on gas, grocery, and utility purchases, 1% elsewhere
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
Imagine Visa Credit Card
High annual fee ($99 to $175 in the first year depending on initial credit limit, then $49 a year)
Additional monthly maintenance fee ($15/month after the first 12 months) and a $2 monthly paper statement fee
Very high APR (36%)
Cash back redeems only as an automatic annual statement credit
Low initial credit limit (typically $300)

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Bilt Palladium Card wins in 4 of 7 categories. The Imagine Visa Credit Card leads in 3.

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

Gas Stations

Imagine Visa Credit Card earns 3X vs 2X

Grocery Stores

Imagine Visa Credit Card earns 3X vs 2X

Utilities

Imagine Visa Credit Card 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.

Scenario	Bilt Palladium Card	Imagine Visa Credit Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $528 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $333 Year one: $1,433	Rewards: $180 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $81 ($400 initial limit (first year)) or $55 ($500 initial limit (first year)) or $5 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: —	—	—
Heavy spender: $4,000/month	Rewards: $2,112 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $1,917 Year one: $3,017	Rewards: $720 Credits (our usable estimate): $0 Annual fee $99 ($400 initial limit (first year)) or $125 ($500 initial limit (first year)) or $175 ($700 or $1,000 initial limit (first year)), set at approval; net est. $621 ($400 initial limit (first year)) or $595 ($500 initial limit (first year)) or $545 ($700 or $1,000 initial limit (first year)) Ongoing: — Year one: —	—	—

Which Card Is Right for You?

Get the Bilt Palladium Card if you:

+Prefer a high flat rate across all spending

Get the Imagine Visa Credit Card if you:

+Do most of your spending at grocery stores

The Bottom Line

Everyday (non-bonus) spend earns 2X on the Bilt Palladium Card vs 1X on the other card.

Frequently Asked Questions

Which card earns more rewards, the Bilt Palladium Card or Imagine Visa Credit 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 Imagine Visa Credit Card doesn't?: The Bilt Palladium Card offers lounge access, cell phone protection. The Imagine Visa Credit Card focuses more on earn rates than premium perks.
Should I get the Bilt Palladium Card or the Imagine Visa Credit Card?: Choose based on which bonus categories and benefits match your spending — check the earn rate comparison above.

Explore More

Bilt Palladium Card — Full Review All Cardless Cards

Imagine Visa Credit Card — Full Review All WebBank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · WebBank cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 11, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.