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Bilt Palladium vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 ($1,125 more in estimated value) than the Petal 2 Cash Back, No Fees Visa's. Get the Bilt Palladium first; revisit the Petal 2 Cash Back, No Fees Visa after you've earned that bonus.

FeatureBilt PalladiumPetal 2 Cash Back, No Fees Visa
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold statusNone
Bonus value (est.)$1,125$0
Min spend to unlock bonus$4,000 in 3 mo$0 in 0 mo
IssuerBilt / CardlessPetal
Card categorytravelcredit-builder
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
    Read the full review
    Bilt Palladium
    $495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
    Read the full review
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Petal 2 Cash Back, No Fees Visa?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Bilt Palladium's $495 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Bilt / Cardless and Petal) 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 Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Petal 2 Cash Back, No Fees Visa: $0 in 0 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.