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Side-by-side

Bilt Palladium vs United Club Infinite Card

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the United Club Infinite Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt PalladiumUnited Club Infinite Card
Annual fee$495$695
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$1,125$1,120
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
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

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: United Club Infinite Card

Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or United Club Infinite Card?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 80,000 miles (up to 90,000 with authorized user) (~$1,120) on the United Club Infinite Card.
Is the Bilt Palladium's $495 annual fee worth it compared to the United Club Infinite Card?
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 United Club Infinite Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and United Club Infinite Card?
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 United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. United Club Infinite Card: $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.