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Bilt Palladium vs Amazon Business Prime American Express Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Amazon Business Prime American Express Card from American Express 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 ($1,000 more in estimated value) than the Amazon Business Prime American Express Card's. Get the Bilt Palladium first; revisit the Amazon Business Prime American Express Card after you've earned that bonus.

FeatureBilt PalladiumAmazon Business Prime American Express Card
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status$125 Amazon.com Gift Card
Bonus value (est.)$1,125$125
Min spend to unlock bonus$4,000 in 3 mo$0 in 0 mo
IssuerColumn N.A.American Express
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
    Amazon Business Prime American Express Card
    $0/yr · $125 Amazon.com Gift Card

    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: Amazon Business Prime American Express Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Amazon Business Prime American Express Card?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus $125 Amazon.com Gift Card (~$125) on the Amazon Business Prime American Express Card.
    Is the Bilt Palladium's $495 annual fee worth it compared to the Amazon Business Prime 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 Amazon Business Prime American Express Card's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Amazon Business Prime American Express Card?
    Yes, since they're from different issuers (Column N.A. and American Express) 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 Amazon Business Prime 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. Amazon Business Prime American Express Card: $0 in 0 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.