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Bilt Palladium vs IHG One Rewards Traveler

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the IHG One Rewards Traveler from Chase 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 ($645 more in estimated value) than the IHG One Rewards Traveler's. Get the Bilt Palladium first; revisit the IHG One Rewards Traveler after you've earned that bonus.

FeatureBilt PalladiumIHG One Rewards Traveler
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status80,000 points
Bonus value (est.)$1,125$480
Min spend to unlock bonus$4,000 in 3 mo$2,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytravelhotel
Best earning category (Other)2x2x
Transfer partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
  • 4th night free on awards
  • 17x at IHG
  • No annual fee
  • Silver status
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
IHG One Rewards Traveler
$0/yr · 80,000 points

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: IHG One Rewards Traveler

The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or IHG One Rewards Traveler?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 80,000 points (~$480) on the IHG One Rewards Traveler.
Is the Bilt Palladium's $495 annual fee worth it compared to the IHG One Rewards Traveler?
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 IHG One Rewards Traveler's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and IHG One Rewards Traveler?
Yes, since they're from different issuers (Column N.A. 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 IHG One Rewards Traveler first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. IHG One Rewards Traveler: $2,000 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.