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Side-by-side

Bilt Palladium vs Marriott Bonvoy Bountiful

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Marriott Bonvoy Bountiful from Chase at $250/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 ($1,125 more in estimated value) than the Marriott Bonvoy Bountiful's. Get the Bilt Palladium first; revisit the Marriott Bonvoy Bountiful after you've earned that bonus.

FeatureBilt PalladiumMarriott Bonvoy Bountiful
Annual fee$495$250
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status85,000 Bonus Points
Bonus value (est.)$1,125-
Min spend to unlock bonus$4,000 in 3 mo$4,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelhotel
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
  • 50k free night cert
  • Gold status
  • 6x at Marriott
  • Platinum at $60k spend
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Marriott Bonvoy Bountiful
$250/yr · 85,000 Bonus 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: Marriott Bonvoy Bountiful

Mid-tier Marriott card. The 50k free night cert can pay for the fee on a single stay at a Cat 5 property, but Hyatt is a more valuable program for most people, consider that card first.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Marriott Bonvoy Bountiful?
The Bilt Palladium has a public bonus (50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125), while the Marriott Bonvoy Bountiful doesn't advertise one right now.
Is the Bilt Palladium's $495 annual fee worth it compared to the Marriott Bonvoy Bountiful?
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 Marriott Bonvoy Bountiful's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Marriott Bonvoy Bountiful?
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 Marriott Bonvoy Bountiful first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Marriott Bonvoy Bountiful: $4,000 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.