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Side-by-side

Bilt Palladium vs Marriott Bonvoy Boundless

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Marriott Bonvoy Boundless 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 Marriott Bonvoy Boundless, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumMarriott Bonvoy Boundless
Annual fee$495$95
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status4 Free Night Awards
Bonus value (est.)$1,125$980
Min spend to unlock bonus$4,000 in 3 mo$3,000 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
  • Free night award annually
  • 15 elite qualifying nights
  • 6x at Marriott properties
  • Silver Elite status
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Marriott Bonvoy Boundless
$95/yr · 4 Free Night Awards

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: Marriott Bonvoy Boundless

One of our favorite keeper cards. The free night award on every card anniversary easily exceeds the $95 fee, and the 15 elite qualifying nights help you reach Marriott status faster.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Marriott Bonvoy Boundless?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 4 Free Night Awards (~$980) on the Marriott Bonvoy Boundless.
Is the Bilt Palladium's $495 annual fee worth it compared to the Marriott Bonvoy Boundless?
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 Marriott Bonvoy Boundless's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Marriott Bonvoy Boundless?
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 Marriott Bonvoy Boundless first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Marriott Bonvoy Boundless: $3,000 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.