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Side-by-side

Bilt Palladium vs Chase Ink Business Cash

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Chase Ink Business Cash from Chase at $0/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 Ink Business 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 PalladiumChase Ink Business Cash
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status$1,000 bonus cash back
Bonus value (est.)$1,125$1,000
Min spend to unlock bonus$4,000 in 3 mo$8,000 in 4 mo
IssuerColumn N.A.Chase
Card categorytravelbusiness
Best earning category (Other)2x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
  • 5% office + internet/phone
  • $1,000 SUB ($8k spend in 4 months)
  • No annual fee
  • Converts to UR points
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Chase Ink Business Cash
$0/yr · $1,000 bonus cash back

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: Chase Ink Business Cash

Highest-earning no-fee business card. 5% on internet, phone, and office supplies covers most small-business overhead. Note: Current public offer is $1,000 cash back after $8,000 spend in 4 months, which Chase presents as its best offer ever (issuer-verified 2026-07-16).

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Chase Ink Business 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 bonus cash back (~$1,000) on the Chase Ink Business Cash.
Is the Bilt Palladium's $495 annual fee worth it compared to the Chase Ink Business 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 Chase Ink Business Cash's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Chase Ink Business Cash?
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 Chase Ink Business Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Chase Ink Business Cash: $8,000 in 4 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.