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Delta SkyMiles Platinum Business American Express Card vs Bilt Palladium

Both are well-respected travel cards. The Delta SkyMiles Platinum Business American Express Card comes from American Express at $350/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureDelta SkyMiles Platinum Business American Express CardBilt Palladium
Annual fee$350$495
Sign-up bonus70,000 miles50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Bonus value (est.)$840$1,125
Min spend to unlock bonus$6,000 in 6 mo$4,000 in 3 mo
IssuerAmerican ExpressBilt / Cardless
Card categoryairlinetravel
Best earning category (Delta)3x1x
Transfer partnersNonebilt
Headline benefits
  • Annual companion cert
  • Free bag for 9 travelers
  • Sky Club at $50/visit
  • $10/mo resy credit
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
Read the full review
Delta SkyMiles Platinum Business American Express Card
$350/yr · 70,000 miles
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status

Editorial take: Delta SkyMiles Platinum Business American Express Card

Strong middle-tier Delta card. The annual companion certificate alone covers the $350 fee for any couple flying domestic. Sky Club access at member rate is also better than nothing.

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 Platinum 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 70,000 miles (~$840) on the Delta SkyMiles Platinum Business American Express Card.
Is the Delta SkyMiles Platinum Business American Express Card's $350 annual fee worth it compared to the Bilt Palladium?
At $350/yr, the Delta SkyMiles Platinum Business American Express Card 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 Delta SkyMiles Platinum 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 Platinum Business American Express Card or the Bilt Palladium first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Business American Express Card: $6,000 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.