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Side-by-side

Bilt Palladium vs TAP Miles and Go American Express Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the TAP Miles and Go American Express Card from Cardless at $79/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 ($1,125 more in estimated value) than the TAP Miles and Go American Express Card's. Get the Bilt Palladium first; revisit the TAP Miles and Go American Express Card after you've earned that bonus.

FeatureBilt PalladiumTAP Miles and Go American Express Card
Annual fee$495$79
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status40,000 bonus miles
Bonus value (est.)$1,125-
Min spend to unlock bonus$4,000 in 3 mo$2,500 in 3 mo
IssuerBilt / CardlessCardless
Card categorytravelairline
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
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles

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: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or TAP Miles and Go American Express Card?
The Bilt Palladium has a public bonus (50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125), while the TAP Miles and Go American Express Card doesn't advertise one right now.
Is the Bilt Palladium's $495 annual fee worth it compared to the TAP Miles and Go American Express 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 TAP Miles and Go American Express Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and TAP Miles and Go American Express Card?
Yes, since they're from different issuers (Bilt / Cardless and 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 Bilt Palladium or the TAP Miles and Go American Express Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. TAP Miles and Go American Express Card: $2,500 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.