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Allegiant World Mastercard vs Bilt Palladium
Both are well-respected travel cards. The Allegiant World Mastercard comes from Bank of America at $59/yr; the Bilt Palladium from Bilt / Cardless at $495/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Bilt Palladium is the stronger pick today, the sign-up bonus is meaningfully larger ($1,125 more in estimated value) than the Allegiant World Mastercard's. Get the Bilt Palladium first; revisit the Allegiant World Mastercard after you've earned that bonus.
| Feature | Allegiant World Mastercard | Bilt Palladium |
|---|---|---|
| Annual fee | $59 | $495 |
| Sign-up bonus | 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status | |
| Bonus value (est.) | - | $1,125 |
| Min spend to unlock bonus | - | $4,000 in 3 mo |
| Issuer | Bank of America | Column N.A. |
| Card category | cashback | travel |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
Allegiant World Mastercard
$59/yr ·
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Editorial take: Bilt Palladium
Bilt 2.0's top tier ($495 AF), launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer. A flat 2x everyday card that stacks $400 of Bilt Travel hotel credit, $200 of Bilt Cash a year, and Priority Pass with 2 guests. It does not have Obsidian's 3x category, so it wins on credits and lounge access rather than on multipliers. For Bilt loyalists who use the hotel credit and the lounges, the math works; for everyone else, Obsidian is plenty.
Common questions
- Which card has the bigger sign-up bonus, Allegiant World Mastercard or Bilt Palladium?
- The Bilt Palladium has a public bonus (50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125), while the Allegiant World Mastercard doesn't advertise one right now.
- Is the Allegiant World Mastercard's $59 annual fee worth it compared to the Bilt Palladium?
- At $59/yr, the Allegiant World Mastercard is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Palladium's, pick the one whose perks you'll actually use.
- Can I have both the Allegiant World Mastercard and Bilt Palladium?
- Yes, since they're from different issuers (Bank of America and Column N.A.) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Allegiant World Mastercard or the Bilt Palladium first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Allegiant World Mastercard: no published min spend. Bilt Palladium: $4,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.