Bilt Palladium Card vs Marriott Bonvoy Bevy American Express Card
Annual fees: Bilt Palladium Card $495/yr, Marriott Bonvoy Bevy American Express Card $250/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, Marriott Bonvoy Bevy American Express Card on dining.
Card data as of October 12, 2026.
- Bilt Palladium Card
Cardless · $495/yr
Marriott Bonvoy Bevy American Express CardAmerican Express · $250/yr
Overview
- Annual fee
- Bilt Palladium Card$495Marriott Bonvoy Bevy American Express Card$250Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsMarriott Bonvoy Bevy American Express Card85,000 points
- Rewards
- Bilt Palladium CardBilt PointsMarriott Bonvoy Bevy American Express CardMarriott Bonvoy
- Foreign transaction fee
- Bilt Palladium CardNoneMarriott Bonvoy Bevy American Express CardNone
- Network
- Bilt Palladium CardMastercardMarriott Bonvoy Bevy American Express CardAmerican Express
Earn ratesPer $1 spent
- Dining
- Bilt Palladium Card2xMarriott Bonvoy Bevy American Express Card4xHighest
- Grocery Stores
- Bilt Palladium Card2xMarriott Bonvoy Bevy American Express Card4xHighest
- Mortgage
- Bilt Palladium Card1.25xMarriott Bonvoy Bevy American Express Card2xHighest
- Rent
- Bilt Palladium Card1.25xMarriott Bonvoy Bevy American Express Card2xHighest
- Travel
- Bilt Palladium Card2xMarriott Bonvoy Bevy American Express Card2x
- Everything else
- Bilt Palladium Card2xMarriott Bonvoy Bevy American Express Card2x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
Marriott Bonvoy Bevy American Express Card— - Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
Marriott Bonvoy Bevy American Express Card—
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
Marriott Bonvoy Bevy American Express Card— - Hotel status & programs
- Bilt Palladium Card—Marriott Bonvoy Bevy American Express Card
- Automatic Marriott Bonvoy Gold Elite Status
- 15 Elite Night Credits annually
- Other perks
- Bilt Palladium Card—Marriott Bonvoy Bevy American Express Card
- Amex Offers
- Early access to concerts and events
- 24/7 global travel assistance
- Premium Internet Access
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Palladium Card
- Trip Delay
Marriott Bonvoy Bevy American Express Card- Trip delay reimbursement · up to $300
- Rental car
- Bilt Palladium Card
- MasterRental Coverage
Marriott Bonvoy Bevy American Express Card- Car rental insurance
- Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
Marriott Bonvoy Bevy American Express Card- Up to $10,000 per item against damage or theft
- Extended warranty
- Bilt Palladium Card—Marriott Bonvoy Bevy American Express Card
- Extended warranty adds up to 1 year
- Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
Marriott Bonvoy Bevy American Express Card— - Other protections
- Bilt Palladium Card—Marriott Bonvoy Bevy American Express Card
- Zero liability protection on fraudulent charges
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
Marriott Bonvoy Bevy American Express Card- Automatic Gold Elite status with 25% bonus points, upgrades, and late checkout
- 15 Elite Night Credits annually toward Platinum qualification
- Free Night Award at $15K spend (lower threshold than Business card's $60K)
- Strong 4x earning on restaurants worldwide and U.S. supermarkets (combined $15K/year cap)
- 6x at Marriott properties
- 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
Marriott Bonvoy Bevy American Express Card- Only Gold Elite status (Platinum requires Brilliant)
- Free Night Award capped at 50,000 points (lower than Brilliant's 85K)
- No lounge access benefit
- 4x categories have combined $15,000 annual cap (then drops to 2x)
- American Express acceptance more limited internationally
Category-by-Category Winner
The Marriott Bonvoy Bevy American Express Card wins in 2 of 2 categories. The Bilt Palladium Card leads in 0. 2 more categories depend on booking channel or caps.
Rent
Marriott Bonvoy Bevy American Express Card earns 2X vs 1.25X
Mortgage
Marriott Bonvoy Bevy American Express Card earns 2X vs 1.25X
Dining
Depends: up to $15,000/yr
Marriott Bonvoy Bevy American Express Card earns 4X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Grocery Stores
Depends: up to $15,000/yr
Marriott Bonvoy Bevy American Express Card earns 4X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
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.
Both scenarios favor the Bilt Palladium Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bilt Palladium Card | Marriott Bonvoy Bevy American Express 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: $168 Credits (our usable estimate): $0 − Annual fee ($250) Ongoing: -$82 Year one: $513 | Bilt Palladium Card | 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: $672 Credits (our usable estimate): $0 − Annual fee ($250) Ongoing: $422 Year one: $1,017 | Bilt Palladium Card | Bilt Palladium Card |
Is the Fee Difference Worth It?
The Bilt Palladium Card costs $495/yr — that's $245 more than the Marriott Bonvoy Bevy American Express Card ($250/yr). To justify that gap, you need to extract at least $245 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 $245 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $245 fee gap means the Bilt Palladium Card needs roughly $245 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 Marriott Bonvoy Bevy American Express 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
Get the Marriott Bonvoy Bevy American Express Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Bilt Palladium Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Bilt Palladium Card $495/yr, Marriott Bonvoy Bevy American Express Card $250/yr — a $245 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 $250/yr for the Marriott Bonvoy Bevy American Express Card. Compare the year-one vs ongoing value table on this page — the $245 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 Marriott Bonvoy Bevy American Express Card?
- Both cards earn 2X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Bilt Palladium Card have that the Marriott Bonvoy Bevy American Express Card doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The Marriott Bonvoy Bevy American Express Card focuses more on earn rates than premium perks.
- Should I get the Bilt Palladium Card or the Marriott Bonvoy Bevy American Express Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bevy American Express Card has a lower $250/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.