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Bilt Palladium vs US Bank Triple Cash Rewards Business

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the US Bank Triple Cash Rewards Business from U.S. Bank at $0/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 US Bank Triple Cash Rewards Business, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumUS Bank Triple Cash Rewards Business
Annual fee$495$0
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status$750 cash back
Bonus value (est.)$1,125$750
Min spend to unlock bonus$4,000 in 3 mo$6,000 in 6 mo
IssuerColumn N.A.U.S. Bank
Card categorytravelbusiness
Best earning category (Other)2x1x
Transfer partnersbiltNone
Headline benefits
  • $400 Bilt Travel hotel credit
  • $200 Bilt Cash every year
  • Priority Pass + 2 guests
  • Flat 2x on everyday spend
    Read the full review
    Bilt Palladium
    $495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
    Read the full review
    US Bank Triple Cash Rewards Business
    $0/yr · $750 cash back

    Editorial take: Bilt Palladium

    Bilt 2.0's top tier ($495 AF), launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer. A flat 2x everyday card that stacks $400 of Bilt Travel hotel credit, $200 of Bilt Cash a year, and Priority Pass with 2 guests. It does not have Obsidian's 3x category, so it wins on credits and lounge access rather than on multipliers. For Bilt loyalists who use the hotel credit and the lounges, the math works; for everyone else, Obsidian is plenty.

    Editorial take: US Bank Triple Cash Rewards Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Palladium or US Bank Triple Cash Rewards Business?
    The Bilt Palladium has the bigger bonus, 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status, worth roughly $1,125, versus $750 cash back (~$750) on the US Bank Triple Cash Rewards Business.
    Is the Bilt Palladium's $495 annual fee worth it compared to the US Bank Triple Cash Rewards Business?
    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 US Bank Triple Cash Rewards Business's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Palladium and US Bank Triple Cash Rewards Business?
    Yes, since they're from different issuers (Column N.A. and U.S. 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 US Bank Triple Cash Rewards Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. US Bank Triple Cash Rewards Business: $6,000 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.