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Side-by-side

Bilt Palladium vs Sephora Visa Credit Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Sephora Visa Credit Card from Comenity 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 ($1,100 more in estimated value) than the Sephora Visa Credit Card's. Get the Bilt Palladium first; revisit the Sephora Visa Credit Card after you've earned that bonus.

FeatureBilt PalladiumSephora Visa Credit Card
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Bonus value (est.)$1,125$25
Min spend to unlock bonus$4,000 in 3 mo$0 in 0 mo
IssuerBilt / CardlessComenity
Card categorytravelcashback
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
    Sephora Visa Credit Card
    $0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase

    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: Sephora Visa Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Sephora Visa Credit Card?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
    Is the Bilt Palladium's $495 annual fee worth it compared to the Sephora Visa 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 Sephora Visa Credit Card's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Sephora Visa Credit Card?
    Yes, since they're from different issuers (Bilt / Cardless and Comenity) 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 Sephora Visa Credit Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Sephora Visa Credit Card: $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.