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Side-by-side

Bilt Palladium vs Southwest Rapid Rewards Performance Business

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Southwest Rapid Rewards Performance Business from Chase at $299/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Southwest Rapid Rewards Performance Business is the stronger pick today, the sign-up bonus is meaningfully larger ($78,875 more in estimated value) than the Bilt Palladium's. Get the Southwest Rapid Rewards Performance Business first; revisit the Bilt Palladium after you've earned that bonus.

FeatureBilt PalladiumSouthwest Rapid Rewards Performance Business
Annual fee$495$299
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status80,000 points
Bonus value (est.)$1,125$80,000
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 partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash bonus
  • Priority Pass + 2 guests
  • All Obsidian-tier benefits
    Read the full review
    Bilt Palladium
    $495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
    Read the full review
    Southwest Rapid Rewards Performance Business
    $299/yr · 80,000 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: Southwest Rapid Rewards Performance Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Southwest Rapid Rewards Performance Business?
    The Southwest Rapid Rewards Performance Business has the bigger bonus, 80,000 points, worth roughly $80,000, 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 Southwest Rapid Rewards Performance 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 Southwest Rapid Rewards Performance Business's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Southwest Rapid Rewards Performance Business?
    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 Southwest Rapid Rewards Performance Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Southwest Rapid Rewards Performance Business: $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.