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Side-by-side

Bilt Palladium vs Chase Ink Business Premier

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Chase Ink Business Premier from Chase at $195/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 Premier, 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 Premier
Annual fee$495$195
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status$1,000 cash back
Bonus value (est.)$1,125$1,000
Min spend to unlock bonus$4,000 in 3 mo$10,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelbusiness
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
  • 100k bonus (one of largest)
  • 2.5x on $5k+ purchases
  • 5x Chase Travel
  • Pay-in-full (no APR)
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 Premier
$195/yr · $1,000 cash back

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 Ink Business Premier

Chase's premium business card filling the gap above Ink Business Preferred. The 2.5x on large purchases is unique among UR-earning cards, perfect for businesses that drop $5k+ on equipment, software, or contractors monthly. Pay-in-full required.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Chase Ink Business Premier?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus $1,000 cash back (~$1,000) on the Chase Ink Business Premier.
Is the Bilt Palladium's $495 annual fee worth it compared to the Chase Ink Business Premier?
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 Premier's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Chase Ink Business Premier?
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 Ink Business Premier 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 Premier: $10,000 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.