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Bilt Palladium vs Sapphire Reserve for Business

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,335 more in estimated value) than the Bilt Palladium's. Get the Sapphire Reserve for Business first; revisit the Bilt Palladium after you've earned that bonus.

FeatureBilt PalladiumSapphire Reserve for Business
Annual fee$495$795
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status200,000 points
Bonus value (est.)$1,125$3,460
Min spend to unlock bonus$4,000 in 3 mo$30,000 in 6 mo
IssuerColumn N.A.Chase
Card categorytravelbusiness
Best earning category (Other)2x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
    Read the full review
    Bilt Palladium
    $495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
    Read the full review
    Sapphire Reserve for Business
    $795/yr · 200,000 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: Sapphire Reserve for Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Sapphire Reserve for Business?
    The Sapphire Reserve for Business has the bigger bonus, 200,000 points, worth roughly $3,460, 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 Sapphire Reserve for Business?
    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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Sapphire Reserve for Business?
    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 Sapphire Reserve for Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Sapphire Reserve for Business: $30,000 in 6 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.