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Side-by-side

Delta SkyMiles Blue Business American Express Card vs Bilt Palladium

Both are well-respected travel cards. The Delta SkyMiles Blue Business American Express Card comes from American Express at $0/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 ($1,015 more in estimated value) than the Delta SkyMiles Blue Business American Express Card's. Get the Bilt Palladium first; revisit the Delta SkyMiles Blue Business American Express Card after you've earned that bonus.

FeatureDelta SkyMiles Blue Business American Express CardBilt Palladium
Annual fee$0$495
Sign-up bonus10,000 Delta SkyMiles50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Bonus value (est.)$110$1,125
Min spend to unlock bonus$1,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressBilt / Cardless
Card categorybusinesstravel
Best earning category (Delta)2x1x
Transfer partnersdelta-skymilesbilt
Headline benefits
  • $0 annual fee
  • 2X Delta + 2X restaurants
  • 20% off Delta in-flight
  • No foreign transaction fees
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
Read the full review
Delta SkyMiles Blue Business American Express Card
$0/yr · 10,000 Delta SkyMiles
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status

Editorial take: Delta SkyMiles Blue Business American Express Card

The $0 annual fee Delta business card. Holds the SkyMiles relationship alive at zero cost and earns 2X on Delta + restaurants. For business owners flying Delta even occasionally, the $150 Gold Business's first-bag-free and 2X shipping/advertising categories usually justify the upgrade.

Editorial take: Bilt Palladium

Bilt 2.0's top tier ($495 AF), launched February 7, 2026 by Cardless. Stacks $400 hotel + $200 Bilt Cash + the Obsidian benefit set + Priority Pass with 2 guests. For Bilt loyalists who already hit the rent-day game hard, the math works; for everyone else, Obsidian is plenty.

Common questions

Which card has the bigger sign-up bonus, Delta SkyMiles Blue Business American Express Card or Bilt Palladium?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 10,000 Delta SkyMiles (~$110) on the Delta SkyMiles Blue Business American Express Card.
Is the Delta SkyMiles Blue Business American Express Card's $0 annual fee worth it compared to the Bilt Palladium?
The Delta SkyMiles Blue Business American Express Card has no annual fee, so the question is whether the Bilt Palladium's $495 fee is justified by its perks. If you'll use enough of the Bilt Palladium's benefits to clear $495 in value annually, it's worth it; otherwise stick with the Delta SkyMiles Blue Business American Express Card.
Can I have both the Delta SkyMiles Blue Business American Express Card and Bilt Palladium?
Yes, since they're from different issuers (American Express and Bilt / Cardless) 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 Delta SkyMiles Blue Business American Express Card or the Bilt Palladium first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Blue Business American Express Card: $1,000 spend in 6 months. 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.