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Bilt Palladium vs CitiBusiness / AAdvantage Platinum Select Mastercard

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/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 CitiBusiness / AAdvantage Platinum Select Mastercard, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumCitiBusiness / AAdvantage Platinum Select Mastercard
Annual fee$495$99
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status65,000 miles
Bonus value (est.)$1,125$1,073
Min spend to unlock bonus$4,000 in 3 mo$4,000 in 4 mo
IssuerColumn N.A.Citi
Card categorytraveltravel
Best earning category (Other)2x1x
Transfer partnersbiltaadvantage
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
    Read the full review
    Bilt Palladium
    $495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
    Read the full review
    CitiBusiness / AAdvantage Platinum Select Mastercard
    $99/yr · 65,000 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: CitiBusiness / AAdvantage Platinum Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or CitiBusiness / AAdvantage Platinum Select Mastercard?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 65,000 miles (~$1,073) on the CitiBusiness / AAdvantage Platinum Select Mastercard.
    Is the Bilt Palladium's $495 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
    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 CitiBusiness / AAdvantage Platinum Select Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and CitiBusiness / AAdvantage Platinum Select Mastercard?
    Yes, since they're from different issuers (Column N.A. and Citi) 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 CitiBusiness / AAdvantage Platinum Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.