Bilt Palladium vs Lowe's Business Rewards Card from American Express

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Lowe's Business Rewards Card from American Express?

The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus $100 statement credit (~$100) on the Lowe's Business Rewards Card from American Express.

Is the Bilt Palladium's $495 annual fee worth it compared to the Lowe's Business Rewards Card from American Express?

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 Lowe's Business Rewards Card from American Express's, pick the one whose perks you'll actually use.

Can I have both the Bilt Palladium and Lowe's Business Rewards Card from American Express?

Yes, since they're from different issuers (Bilt / Cardless and American Express) 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 Lowe's Business Rewards Card from American Express first?

Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Lowe's Business Rewards Card from American Express: $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.