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Side-by-side

Bilt Palladium vs TD First Class Visa Signature Credit Card

Both are travel travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the TD First Class Visa Signature Credit Card from TD Bank at $89/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 ($875 more in estimated value) than the TD First Class Visa Signature Credit Card's. Get the Bilt Palladium first; revisit the TD First Class Visa Signature Credit Card after you've earned that bonus.

FeatureBilt PalladiumTD First Class Visa Signature Credit Card
Annual fee$495$89
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status25,000 bonus miles
Bonus value (est.)$1,125$250
Min spend to unlock bonus$4,000 in 3 mo$3,000 in 6 mo
IssuerBilt / CardlessTD Bank
Card categorytraveltravel
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
    TD First Class Visa Signature Credit Card
    $89/yr · 25,000 bonus miles

    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: TD First Class Visa Signature Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or TD First Class Visa Signature Credit Card?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus 25,000 bonus miles (~$250) on the TD First Class Visa Signature Credit Card.
    Is the Bilt Palladium's $495 annual fee worth it compared to the TD First Class Visa Signature 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 TD First Class Visa Signature Credit Card's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and TD First Class Visa Signature Credit Card?
    Yes, since they're from different issuers (Bilt / Cardless and TD Bank) 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 TD First Class Visa Signature Credit Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. TD First Class Visa Signature Credit Card: $3,000 in 6 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.