The Platinum Card® from American Express vs Bilt Palladium Card
Bilt Palladium Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
Fees and perks at a glance
Annual fees: The Platinum Card® from American Express $895/yr · Bilt Palladium Card $495/yr. The $400 gap has to be earned back in credits or perks.
The Platinum Card® from American Express Credits: Prepaid lodging credit ($300 semi-annually) · Resy dining credit ($100 quarterly) · Digital entertainment credit ($25/month) and 11 more
Bilt Palladium Card Credits: Bilt Travel hotel credit $400
The Platinum Card® from American Express Signup bonus: Up to 175,000 MR points after $12,000 spend in 6 months
Bilt Palladium Card Signup bonus: 50,000 Bilt Points + Gold Status after $4,000 in non-housing spend in first 90 days, plus $300 Bilt Cash on approval
Earn comparison by category
| Category | The Platinum Card® from American Express | Bilt Palladium Card |
|---|---|---|
| Dining | 2.00%1x × 2¢ | 3.60%2x × 1.8¢ |
| Groceries | 2.00%1x × 2¢ | 3.60%2x × 1.8¢ |
| Gas / EV charging | 2.00%1x × 2¢ | 3.60%2x × 1.8¢ |
| Travel | 2.00%1x × 2¢ | 3.60%2x × 1.8¢ |
| Everything else | 2.00%1x × 2¢ | 3.60%2x × 1.8¢ |
| Bilt partner dining | 2.00%1x × 2¢ | 9.00%5x × 1.8¢ |
| Flights via travel portals | 10.00%5x × 2¢ | 5.40%3x × 1.8¢ |
| Hotels via travel portals | 10.00%5x × 2¢ | 7.20%4x × 1.8¢ |
Verdict by spending profile
| Category | The Platinum Card® from American Express | Bilt Palladium Card |
|---|---|---|
| Dining-heavy | 2.00% | 3.60% |
| Grocery-heavy | 2.00% | 3.60% |
| Gas-heavy | 2.00% | 3.60% |
| Travel-heavy | 2.00% | 3.60% |
| Everyday spending | 2.00% | 3.60% |
How is this comparison computed?
Effective return = category earn rate × point value. Example: 4x × 2.0¢ = 8.00% back (estimate).
This page compares the two cards' catalog earn rates only. Signup bonus amounts change over time, so they are not in the table.
Every % here is an estimate: point values are catalog assumptions, and actual value depends on how you redeem.
This page compares two cards only. Inside DanHana, the same math re-ranks by the cards in your own wallet -- so your personal best may differ.
Frequently asked questions
The Platinum Card® from American Express vs Bilt Palladium Card: which one is better?
Bilt Palladium Card wins all 5 spending profiles. On earn math alone, this comparison leans one way.
How do the annual fees compare?
Annual fees: The Platinum Card® from American Express $895/yr · Bilt Palladium Card $495/yr. The $400 gap has to be earned back in credits or perks. Catalog credits: The Platinum Card® from American Express has 14, Bilt Palladium Card has 1.
Where is the biggest gap?
Bilt partner dining is where Bilt Palladium Card leads by the most: 2.00% vs 9.00% (1x × 2¢ vs 5x × 1.8¢).
Are these returns guaranteed?
No -- every figure here is an estimate. Point values are catalog assumptions (e.g. Membership Rewards 2.0¢, Ultimate Rewards 1.5¢, cash back 1.0¢), and your actual value depends on how you redeem. Bonus rates can have annual caps, and issuers change terms -- check the card's official terms before applying.
Sources
Page updated: October 28, 2026