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Side-by-side

Bilt Palladium vs Chase Ink Business Preferred

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Chase Ink Business Preferred from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Ink Business Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($875 more in estimated value) than the Bilt Palladium's. Get the Chase Ink Business Preferred first; revisit the Bilt Palladium after you've earned that bonus.

FeatureBilt PalladiumChase Ink Business Preferred
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status100,000 points
Bonus value (est.)$1,125$2,000
Min spend to unlock bonus$4,000 in 3 mo$8,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelbusiness
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
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 Preferred
$95/yr · 100,000 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 Ink Business Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Chase Ink Business Preferred?
The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, versus 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status (~$1,125) on the Bilt Palladium.
Is the Bilt Palladium's $495 annual fee worth it compared to the Chase Ink Business Preferred?
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 Preferred's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Chase Ink Business Preferred?
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 Preferred 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 Preferred: $8,000 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.