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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
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
  • 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 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: 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 (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 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.