Chase Sapphire Reserve vs Bilt Palladium Card
Bilt Palladium Card leads 3 profiles (Grocery-heavy · Gas-heavy · Everyday spending). The other card leads or ties the rest, so where you actually spend decides this comparison.
Fees and perks at a glance
Annual fees: Chase Sapphire Reserve $795/yr · Bilt Palladium Card $495/yr. The $300 gap has to be earned back in credits or perks.
Chase Sapphire Reserve Credits: DoorDash promo up to $35/mo · Lyft credit $10 · The Edit hotel credit $250/stay (up to $500/yr) and 7 more
Bilt Palladium Card Credits: Bilt Travel hotel credit $400
Chase Sapphire Reserve Signup bonus: 100,000 UR points after $6,000 spend in 3 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 | Chase Sapphire Reserve | Bilt Palladium Card |
|---|---|---|
| Dining | 4.50%3x × 1.5¢ | 3.60%2x × 1.8¢ |
| Groceries | 1.50%1x × 1.5¢ | 3.60%2x × 1.8¢ |
| Gas / EV charging | 1.50%1x × 1.5¢ | 3.60%2x × 1.8¢ |
| Travel | 6.00%4x × 1.5¢ | 3.60%2x × 1.8¢ |
| Everything else | 1.50%1x × 1.5¢ | 3.60%2x × 1.8¢ |
| Bilt partner dining | 1.50%1x × 1.5¢ | 9.00%5x × 1.8¢ |
| Flights via travel portals | 12.00%8x × 1.5¢ | 5.40%3x × 1.8¢ |
| Hotels via travel portals | 12.00%8x × 1.5¢ | 7.20%4x × 1.8¢ |
Verdict by spending profile
| Category | Chase Sapphire Reserve | Bilt Palladium Card |
|---|---|---|
| Dining-heavy | 4.50% | 3.60% |
| Grocery-heavy | 1.50% | 3.60% |
| Gas-heavy | 1.50% | 3.60% |
| Travel-heavy | 6.00% | 3.60% |
| Everyday spending | 1.50% | 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
Chase Sapphire Reserve vs Bilt Palladium Card: which one is better?
Bilt Palladium Card leads 3 profiles (Grocery-heavy · Gas-heavy · Everyday spending). The other card leads or ties the rest, so where you actually spend decides this comparison.
How do the annual fees compare?
Annual fees: Chase Sapphire Reserve $795/yr · Bilt Palladium Card $495/yr. The $300 gap has to be earned back in credits or perks. Catalog credits: Chase Sapphire Reserve has 10, Bilt Palladium Card has 1.
Where is the biggest gap?
Bilt partner dining is where Bilt Palladium Card leads by the most: 1.50% vs 9.00% (1x × 1.5¢ 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
- DanHana data & verification method
- What is DanHana?
- Smart recommendations
- Chase Sapphire Reserve official page
Page updated: October 28, 2026