Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Bilt Palladium Card $495/yr, JetBlue Premier Card $499/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, JetBlue Premier Card on dining.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Palladium Card | JetBlue Premier Card |
|---|---|---|
| Dining | 2X | 2X |
| Grocery Stores | 2X | 2X |
The Bilt Palladium Card wins in 4 of 4 categories. The JetBlue Premier Card leads in 0.
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
Everyday purchases
Bilt Palladium Card earns 2X on all other spending vs 1X
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 | JetBlue Premier Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month |
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, JetBlue Premier Card $499/yr — a $4 difference before welcome offers and credits.
| Travel | 2X | 1X |
| Mortgage | 1.25X | 1X |
| Rent | 1.25X | 1X |
| Everything Else | 2X | 1X |
Network
Key Benefits
Pros
Cons
Rewards: $211 Credits (our usable estimate): $587 − Annual fee ($499) Ongoing: $299 Year one: $1,514 |
| Close — depends on how much of the credits you use |
| Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $2,112 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $1,917 Year one: $3,017 | Rewards: $842 Credits (our usable estimate): $587 − Annual fee ($499) Ongoing: $930 Year one: $2,145 | Bilt Palladium Card | Bilt Palladium Card |
The JetBlue Premier Card costs $499/yr — that's $4 more than the Bilt Palladium Card ($495/yr). To justify that gap, you need to extract at least $4 in annual value from the card's higher earn rates and benefits.
The JetBlue Premier Card includes travel credits, lounge access, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $4 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $4 fee gap means the JetBlue Premier Card needs roughly $4 more in annual rewards (or credits you will use) to break even on dining and grocery stores and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Palladium Card means losing:
Get the Bilt Palladium Card if you:
Get the JetBlue Premier Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
