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Side-by-side

Bilt Palladium vs Bank of America Unlimited Cash Rewards Credit Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Bank of America Unlimited Cash Rewards Credit Card 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 ($925 more in estimated value) than the Bank of America Unlimited Cash Rewards Credit Card's. Get the Bilt Palladium first; revisit the Bank of America Unlimited Cash Rewards Credit Card after you've earned that bonus.

FeatureBilt PalladiumBank of America Unlimited Cash Rewards Credit Card
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status$200 cash rewards
Bonus value (est.)$1,125$200
Min spend to unlock bonus$4,000 in 3 mo$1,000 in 3 mo
IssuerBilt / CardlessBank of America
Card categorytravelcashback
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
    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 Unlimited Cash Rewards Credit Card
    $0/yr · $200 cash rewards

    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 Unlimited Cash Rewards Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Bank of America Unlimited Cash Rewards Credit Card?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus $200 cash rewards (~$200) on the Bank of America Unlimited Cash Rewards Credit Card.
    Is the Bilt Palladium's $495 annual fee worth it compared to the Bank of America Unlimited Cash Rewards Credit Card?
    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 Unlimited Cash Rewards Credit Card's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Bank of America Unlimited Cash Rewards Credit Card?
    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 Unlimited Cash Rewards Credit Card 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 Unlimited Cash Rewards Credit Card: $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.