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Side-by-side

Bilt Palladium vs World of Hyatt Credit Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the World of Hyatt Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

If you're not sure you'll use premium perks, start with the World of Hyatt Credit Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumWorld of Hyatt Credit Card
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold statusUp to 60,000 Bonus Points
Bonus value (est.)$1,125$1,020
Min spend to unlock bonus$4,000 in 3 mo-
IssuerBilt / CardlessChase
Card categorytravelhotel
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
  • 9x at Hyatt properties
  • Free Cat 1-4 night every year
  • Automatic Discoverist
  • $95 fee
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus 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: World of Hyatt Credit Card

The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or World of Hyatt Credit Card?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus Up to 60,000 Bonus Points (~$1,020) on the World of Hyatt Credit Card.
Is the Bilt Palladium's $495 annual fee worth it compared to the World of Hyatt Credit 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 World of Hyatt Credit Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and World of Hyatt Credit 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 World of Hyatt Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. World of Hyatt Credit Card: no published min spend. 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.