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Side-by-side

Bilt Palladium vs Southwest Rapid Rewards Priority

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Southwest Rapid Rewards Priority from Chase at $229/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 Southwest Rapid Rewards Priority, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumSouthwest Rapid Rewards Priority
Annual fee$495$229
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status60,000 points
Bonus value (est.)$1,125$840
Min spend to unlock bonus$4,000 in 3 mo$2,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelairline
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
  • 7,500 anniversary points
  • $75 annual travel credit
  • 4 upgraded boardings/year
  • 4x on Southwest
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 points

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: Southwest Rapid Rewards Priority

If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or Southwest Rapid Rewards Priority?
The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 60,000 points (~$840) on the Southwest Rapid Rewards Priority.
Is the Bilt Palladium's $495 annual fee worth it compared to the Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Southwest Rapid Rewards Priority: $2,000 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.