Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Bilt Palladium vs Free Spirit Travel More World Elite Mastercard

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the Free Spirit Travel More World Elite Mastercard from Bank of Missouri at $79/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 Free Spirit Travel More World Elite Mastercard's. Get the Bilt Palladium first; revisit the Free Spirit Travel More World Elite Mastercard after you've earned that bonus.

FeatureBilt PalladiumFree Spirit Travel More World Elite Mastercard
Annual fee$495$79
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Bonus value (est.)$1,125-
Min spend to unlock bonus$4,000 in 3 mo-
IssuerBilt / CardlessBank of Missouri
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
    Free Spirit Travel More World Elite Mastercard
    $79/yr ·

    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: Free Spirit Travel More World Elite Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or Free Spirit Travel More World Elite Mastercard?
    The Bilt Palladium has a public bonus (50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125), while the Free Spirit Travel More World Elite Mastercard doesn't advertise one right now.
    Is the Bilt Palladium's $495 annual fee worth it compared to the Free Spirit Travel More World Elite Mastercard?
    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 Free Spirit Travel More World Elite Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and Free Spirit Travel More World Elite Mastercard?
    Yes, since they're from different issuers (Bilt / Cardless and Bank of Missouri) 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 Free Spirit Travel More World Elite Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. Free Spirit Travel More World Elite Mastercard: no published min spend. 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.