Bilt Palladium Card vs Chase Sapphire Reserve®

In a nutshell, the Palladium makes a lot of sense if you want to prioritize a generalist spending card, but the Reserve wins if you spend heavily on travel & dining and will realistically use its credits each year.

Frequently Asked Questions (FAQs)

Which card wins for dining and travel spend?

The Reserve wins without a doubt.

It earns 3x points on dining worldwide and 8x on Chase Travel bookings (4x on direct flights and hotels booked direct), and Chase's Points Boost feature lets you redeem select points at up to 2 cents each on hotels and flights through Chase Travel.

Comparably speaking, the Palladium is more of a "catch all" card that's best used as a generalist use card rather than a categorical card.

Does the Bilt Palladium Card charge transaction fees for rent payments?

No. When using Bilt Cash, you can unlock point earnings on rent and mortgage payments with no transaction fee, up to 1X. This is a particularly unique value proposition that allows you to unlock additional points from your spending.

Which card has better transfer partners?

Both share key partners including Hyatt, United, and Virgin Atlantic at 1:1. Chase Ultimate Rewards adds 14+ partners including Southwest and Air France/KLM.

However, Bilt transfers to 18+ partners and adds monthly Rent Day bonuses, which can stretch point value considerably for those who plan their transfers around it. Notably, Bilt also has Alaska Airlines as a transfer partner, which is incredibly unique.

Which card has better lounge access?

The Chase Sapphire Reserve®. Beyond Priority Pass access at 1,300+ lounges worldwide, Reserve cardholders get exclusive Chase Sapphire Lounges at airports like JFK, LaGuardia, and Las Vegas, each with up to two complimentary guests. The Bilt Palladium offers standard Priority Pass membership only.

If lounges matter to you, the Reserve is the clear winner.