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Side-by-side

Bilt Palladium vs Alaska Airlines Visa Signature

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Alaska Airlines Visa Signature from Bank of America at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the Alaska Airlines Visa Signature, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumAlaska Airlines Visa Signature
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status70,000 miles + Companion Fare
Bonus value (est.)$1,125$1,050
Min spend to unlock bonus$4,000 in 3 mo$3,000 in 90 mo
IssuerBilt / CardlessBank of America
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
  • Companion Fare annually
  • Free checked bag
  • 3x on Alaska
  • No foreign tx fees
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Alaska Airlines Visa Signature
$95/yr · 70,000 miles + Companion Fare

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.

Editorial take: Alaska Airlines Visa Signature

The Companion Fare is the hook, $122 + taxes/fees to bring a companion on any Alaska flight, even international business class. If you fly Alaska once a year with a partner, this pays for itself many times over.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Alaska Airlines Visa Signature?
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 + Companion Fare (~$1,050) on the Alaska Airlines Visa Signature.
Is the Bilt Palladium's $495 annual fee worth it compared to the Alaska Airlines Visa Signature?
At $495/yr, the Bilt Palladium is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Alaska Airlines Visa Signature's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Alaska Airlines Visa Signature?
Yes, since they're from different issuers (Bilt / Cardless and Bank of America) 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 Bilt Palladium or the Alaska Airlines Visa Signature first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Alaska Airlines Visa Signature: $3,000 in 90 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.