Bilt Palladium Card vs TD Cash Credit Card
Annual fees: Bilt Palladium Card $495/yr, TD Cash Credit Card $0/yr. Strongest bonus categories: Bilt Palladium Card on rent and travel, TD Cash Credit Card on top spend category.
Card data as of October 12, 2026.
- Bilt Palladium Card
Cardless · $495/yr
- TD Cash Credit Card
TD Bank · No annual fee
Overview
- Annual fee
- Bilt Palladium Card$495TD Cash Credit Card$0Lowest
- Welcome offerCurrent public offer
- Bilt Palladium Card50,000 pointsTD Cash Credit Card$200 cash back
- Rewards
- Bilt Palladium CardBilt PointsTD Cash Credit CardCash back
- Foreign transaction fee
- Bilt Palladium CardNoneLowestTD Cash Credit Card3%
- Network
- Bilt Palladium CardMastercardTD Cash Credit CardVisa Signature
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Bilt Palladium Card2xTD Cash Credit Card3%
- Entertainment
- Bilt Palladium Card2xTD Cash Credit Card3%
- Gas Stations
- Bilt Palladium Card2xTD Cash Credit Card3%
- Grocery Stores
- Bilt Palladium Card2xTD Cash Credit Card3%
- Top Spend Category
- Bilt Palladium Card2xTD Cash Credit Card3%
- Travel
- Bilt Palladium Card2xTD Cash Credit Card3%
- Mortgage
- Bilt Palladium Card1.25xTD Cash Credit Card1%
- Rent
- Bilt Palladium Card1.25xTD Cash Credit Card1%
- Everything else
- Bilt Palladium Card2xTD Cash Credit Card1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Palladium Card
- $400 hotel credit
TD Cash Credit Card— - Shopping & wellness
- Bilt Palladium Card
- $200 Bilt Cash
TD Cash Credit Card—
Perks & access— means none on record
- Lounges
- Bilt Palladium Card
- Priority Pass Airport Lounge Access
TD Cash Credit Card— - Hotel status & programs
- Bilt Palladium Card—TD Cash Credit Card
- 900+ luxury hotel properties with exclusive perks
- Other perks
- Bilt Palladium Card—TD Cash Credit Card
- 24/7 Visa Signature Concierge service
- Free ticket + presale at Sofar Sounds concerts
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Palladium Card
- Trip Delay
TD Cash Credit Card— - Baggage
- Bilt Palladium Card—TD Cash Credit Card
- Up to $3,000 lost luggage coverage per trip
- Rental car
- Bilt Palladium Card
- MasterRental Coverage
TD Cash Credit Card- Car rental benefits
- Purchase & returns
- Bilt Palladium Card
- Purchase Assurance · up to $1,000
- Price Drop Protection · up to $250
TD Cash Credit Card- $500 per claim on theft or damage
- Extended warranty
- Bilt Palladium Card—TD Cash Credit Card
- Extended warranty adds up to 1 year
- Cell phone
- Bilt Palladium Card
- Cellular Wireless Telephone Protection · up to $800
TD Cash Credit Card- Cell phone protection
- Other protections
- Bilt Palladium Card—TD Cash Credit Card
- Emergency card replacement
- Roadside Dispatch®
- Travel and emergency assistance services
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
TD Cash Credit Card- Customizable categories with 3% on one and 2% on another
- No annual fee
- $200 welcome bonus with $1,000 spend requirement
- 0% intro APR on balance transfers for 15 billing cycles (transfers within the first 90 days) and on purchases for 12 billing cycles
- Cell phone protection included
- 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
TD Cash Credit Card- Only available to residents of 16 East Coast states
- 3% foreign transaction fee
- Must remember to optimize category selections
- Only 1% on purchases outside chosen categories
- Regional bank limits branch availability
Category-by-Category Winner
The TD Cash Credit Card wins in 6 of 9 categories. The Bilt Palladium 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
TD Cash Credit Card earns 3X vs 2X
Top Spend Category
TD Cash Credit Card earns 3X vs 2X
Dining
TD Cash Credit Card earns 3X vs 2X
Entertainment
TD Cash Credit Card earns 3X vs 2X
Gas Stations
TD Cash Credit Card earns 3X vs 2X
Grocery Stores
TD Cash 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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Bilt Palladium Card | TD Cash Credit 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: $240 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $240 Year one: $440 | 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: $960 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $960 Year one: $1,160 | 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 TD Cash Credit Card (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 TD Cash Credit 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
- +Prefer a high flat rate across all spending
Get the TD Cash Credit Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
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, TD Cash Credit Card $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 TD Cash Credit Card. 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 TD Cash 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 TD Cash Credit Card doesn't?
- The Bilt Palladium Card offers lounge access, cell phone protection. The TD Cash Credit Card offers cell phone protection.
- Should I get the Bilt Palladium Card or the TD Cash Credit Card?
- Use the spend scenarios on this page: the TD Cash Credit Card 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.