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Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Chase Sapphire Reserve from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
For most people the Chase Sapphire Reserve 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 Sapphire Reserve first; revisit the Bilt Palladium after you've earned that bonus.
| Feature | Bilt Palladium | Chase Sapphire Reserve |
|---|---|---|
| Annual fee | $495 | $795 |
| Sign-up bonus | 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status | 100,000 points |
| Bonus value (est.) | $1,125 | $2,000 |
| Min spend to unlock bonus | $4,000 in 3 mo | $6,000 in 3 mo |
| Issuer | Column N.A. | Chase |
| Card category | travel | travel |
| Best earning category (Other) | 2x | 1x |
| Transfer partners | bilt | chase-ur |
| Headline benefits |
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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.
Recently revamped with over $3,000 in annual credits and perks. If you travel three or more times a year and live near an airport with a Sapphire lounge, this card is a smart choice.
TL;DR. Bilt Palladium ($495) is Bilt 2.0's top tier (launched February 2026, issued by Column N.A., Member FDIC, with Cardless as servicer). It is a flat-rate card: 2x on every eligible purchase except housing, and up to 1.25x on rent, mortgage and HOA. It has no dining category and no travel category of its own. The 5x dining, 4x hotel and 3x flight numbers Bilt markets are partner bonuses that stack on top of that 2x base, at Bilt Neighborhood restaurants or through the Bilt Travel Portal. On top of the earn it gives a $400 Bilt Travel hotel credit, $200 of Bilt Cash every calendar year, Priority Pass with 2 guests, and the full Bilt transfer partner list (Alaska Atmos Rewards, Hyatt, Flying Blue, United, etc.). Reserve ($795) is the broader premium card with 8x Chase Travel, Sapphire Lounges, and Hyatt transfers. Palladium wins for renters who will actually use the hotel credit and the lounges. Reserve wins if you do not pay rent, or if you want real bonus categories.
The three dimensions that actually decide it. First, rent. Palladium is the only premium card that pays you points on rent. Reserve cannot. Second, transfer partner overlap. Both transfer to Hyatt and to United. Bilt adds Alaska Atmos Rewards, which Reserve cannot reach. American Airlines AAdvantage was previously a Bilt transfer partner, but that partnership ended in June 2024, so neither card reaches AAdvantage. Third, fee. $300 difference, plus Palladium's $400 hotel credit and $200 Bilt Cash credit effectively net the fee close to zero if used.
Real customer scenario for each. If you pay $3k a month in rent, dine out $1k a month, and travel three or more times a year, Palladium earns up to 45,000 points a year on the rent (up to 1.25x on $36k) and 24,000 on the dining at its flat 2x, and the $400 hotel credit plus $200 of Bilt Cash covers most of the $495 fee. That is the case to take Palladium over Reserve. If instead you own your home, Reserve is the right premium card.
The trap to avoid. Believing Palladium pays for itself on rent earn alone. Housing earn runs 0x to 1.25x and is set by how much everyday spend you put on the card, so the top rate only shows up if the card is also your daily driver. At 1x on $2k of rent and roughly 2 cpp transfer redemption value, you are earning about $40 a month. That helps cover the fee but does not replace the broader earning of Reserve.
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.
