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Side-by-side

Bilt Palladium vs Bank of America Travel Rewards

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Bank of America Travel Rewards from Bank of America at $0/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 ($875 more in estimated value) than the Bank of America Travel Rewards's. Get the Bilt Palladium first; revisit the Bank of America Travel Rewards after you've earned that bonus.

FeatureBilt PalladiumBank of America Travel Rewards
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status25,000 points
Bonus value (est.)$1,125$250
Min spend to unlock bonus$4,000 in 3 mo$1,000 in 3 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
  • 1.5x everywhere
  • No annual fee
  • No foreign tx fees
  • Preferred Rewards boost
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Bank of America Travel Rewards
$0/yr · 25,000 points

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: Bank of America Travel Rewards

The no-fee version of Premium Rewards. Only shines with BoA's Preferred Rewards boost, otherwise the Capital One VentureOne or Wells Fargo Autograph beat it.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Bank of America Travel Rewards?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 25,000 points (~$250) on the Bank of America Travel Rewards.
Is the Bilt Palladium's $495 annual fee worth it compared to the Bank of America Travel Rewards?
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 Bank of America Travel Rewards's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Bank of America Travel Rewards?
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 Bank of America Travel Rewards first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Bank of America Travel Rewards: $1,000 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.