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Side-by-side

Bilt Palladium vs World of Hyatt Business Credit Card

Both are well-respected travel cards. The Bilt Palladium comes from Bilt / Cardless at $495/yr; the World of Hyatt Business Credit Card from Chase at $199/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 World of Hyatt Business Credit Card, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.

FeatureBilt PalladiumWorld of Hyatt Business Credit Card
Annual fee$495$199
Sign-up bonus50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status75,000 points
Bonus value (est.)$1,125$1,275
Min spend to unlock bonus$4,000 in 3 mo$7,500 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelbusiness
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
  • $100 Hyatt credits annually
  • 5 elite night credits
  • Top-3 categories at 2x
  • 10% points rebate up to 200k
Read the full review
Bilt Palladium
$495/yr · 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status
Read the full review
World of Hyatt Business Credit Card
$199/yr · 75,000 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: World of Hyatt Business Credit Card

The strongest hotel business card if you actually stay at Hyatts. Five elite night credits + top-3-categories earning + the $100 in Hyatt credits make it pay for its $199 fee for almost any Hyatt-leaning traveler. Underrated.

Common questions

Which card has the bigger sign-up bonus, Bilt Palladium or World of Hyatt Business Credit Card?
The World of Hyatt Business Credit Card has the bigger bonus, 75,000 points, worth roughly $1,275, versus 50,000 Bilt Points + $300 Bilt Cash + Bilt Gold status (~$1,125) on the Bilt Palladium.
Is the Bilt Palladium's $495 annual fee worth it compared to the World of Hyatt Business 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 World of Hyatt Business Credit Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Palladium and World of Hyatt Business Credit Card?
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 World of Hyatt Business Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Palladium: $4,000 spend in 3 months. World of Hyatt Business Credit Card: $7,500 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.