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Side-by-side

Bilt Palladium vs United Club Business Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the United Club Business 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 Business Card
Annual fee$495$695
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status100,000 miles + 2,000 PQP
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 categorytravelbusiness
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 membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

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 Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or United Club Business Card?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, 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 United Club Business 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 Business Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and United Club Business 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 Business 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 Business 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.