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Side-by-side

Bilt Palladium vs United Gateway Card

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the United Gateway Card from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Bilt Palladium is the stronger pick today, the sign-up bonus is meaningfully larger ($735 more in estimated value) than the United Gateway Card's. Get the Bilt Palladium first; revisit the United Gateway Card after you've earned that bonus.

FeatureBilt PalladiumUnited Gateway Card
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status30,000 miles
Bonus value (est.)$1,125$390
Min spend to unlock bonus$4,000 in 3 mo$1,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytraveltravel
Best earning category (Other)2x1x
Transfer partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
  • 2x on United + transit + gas
  • No annual fee
  • No foreign tx fees
  • 25% inflight rebate
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
United Gateway Card
$0/yr · 30,000 miles

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: United Gateway Card

The no-fee United card. Doesn't include free bags (that starts with the Explorer), so it's really only worth it for credit-building purposes.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or United Gateway Card?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 30,000 miles (~$390) on the United Gateway Card.
Is the Bilt Palladium's $495 annual fee worth it compared to the United Gateway 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 Gateway Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and United Gateway Card?
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 United Gateway Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. United Gateway Card: $1,000 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.