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Side-by-side

Bilt Palladium vs Chase Aeroplan Credit Card

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

FeatureBilt PalladiumChase Aeroplan Credit Card
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status75,000 bonus points
Bonus value (est.)$1,125$1,125
Min spend to unlock bonus$4,000 in 3 mo$4,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltaeroplan
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
  • 3x on Air Canada + dining + grocery
  • Free checked bag
  • Companion pass
  • UR transfer
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Chase Aeroplan Credit Card
$95/yr · 75,000 bonus 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: Chase Aeroplan Credit Card

Aeroplan is one of the best Star Alliance programs for sweet-spot redemptions. This card is a great way to earn Aeroplan miles directly, plus the UR transfer option gives flexibility.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Chase Aeroplan Credit Card?
The two cards offer comparable sign-up bonuses around $1,125. Pick based on which earning categories you actually use.
Is the Bilt Palladium's $495 annual fee worth it compared to the Chase Aeroplan 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 Chase Aeroplan Credit Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Chase Aeroplan Credit Card?
Yes, since they're from different issuers (Bilt / Cardless and Chase) 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 Chase Aeroplan Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Chase Aeroplan Credit Card: $4,000 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.