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Side-by-side

Bilt Palladium vs Chase Sapphire Preferred

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Chase Sapphire Preferred from Chase at $95/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 Sapphire Preferred, 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 Sapphire Preferred
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status75,000 points
Bonus value (est.)$1,125$1,500
Min spend to unlock bonus$4,000 in 3 mo$5,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
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
  • 5x on travel booked via Chase
  • 3x on dining & streaming
  • $50 annual hotel credit
  • Transfer to 13 partners (Hyatt 1:1)
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Chase Sapphire Preferred
$95/yr · 75,000 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 Sapphire Preferred

The best starter travel card, period. Transferable points, solid bonus categories, and a low annual fee make this the card we recommend to almost everyone getting into the points game. Note: the 10% anniversary points bonus sunsets October 1, 2026.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Chase Sapphire Preferred?
The Chase Sapphire Preferred has the bigger bonus, 75,000 points, worth roughly $1,500, 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 Sapphire 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 Sapphire Preferred's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Chase Sapphire 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 Sapphire Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Chase Sapphire Preferred: $5,000 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.