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Side-by-side

Bilt Palladium vs Capital One Spark Cash

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Capital One Spark Cash from Capital One 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 Capital One Spark Cash, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumCapital One Spark Cash
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status$1,000 cash bonus
Bonus value (est.)$1,125$1,000
Min spend to unlock bonus$4,000 in 3 mo$10,000 in 3 mo
IssuerColumn N.A.Capital One
Card categorytravelbusiness
Best earning category (Other)2x1x
Transfer partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
    Read the full review
    Bilt Palladium
    $495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
    Read the full review
    Capital One Spark Cash
    $95/yr · $1,000 cash bonus

    Editorial take: Bilt Palladium

    Bilt 2.0's top tier ($495 AF), launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer. A flat 2x everyday card that stacks $400 of Bilt Travel hotel credit, $200 of Bilt Cash a year, and Priority Pass with 2 guests. It does not have Obsidian's 3x category, so it wins on credits and lounge access rather than on multipliers. For Bilt loyalists who use the hotel credit and the lounges, the math works; for everyone else, Obsidian is plenty.

    Editorial take: Capital One Spark Cash

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Capital One Spark Cash?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus $1,000 cash bonus (~$1,000) on the Capital One Spark Cash.
    Is the Bilt Palladium's $495 annual fee worth it compared to the Capital One Spark Cash?
    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 Capital One Spark Cash's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Capital One Spark Cash?
    Yes, since they're from different issuers (Column N.A. and Capital One) 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 Capital One Spark Cash first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Capital One Spark Cash: $10,000 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.