The Bilt Palladium Card edges out the American Express Green Card for most cardholders — it wins on 3 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 6x vs 3x). The American Express Green Card is the better choice if you want no or lower annual fee.
American Express Green Card vs Bilt Palladium Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- On Travel Including airfare, hotels, tours, campgrounds, car rentals, cruises, vacation rentals, and more 3x
- On Transit Including trains, buses, ferries, subways, and more 3x
- Dining At Restaurants Worldwide, including takeout and delivery in the US. 3x
- Dining 6x
- Travel 3x
- Rent 2x
- CLEAR Plus Credit $209
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- Flying Blue
- Delta SkyMiles
- JetBlue TrueBlue
- Qatar Avios
- Virgin Atlantic Flying Club
- +13 more
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Quick summary
A short version of the comparison with the main differences at a glance.
The Bilt Palladium Card edges out the American Express Green Card for most cardholders — it wins on 3 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 6x vs 3x). The American Express Green Card is the better choice if you want no or lower annual fee. On raw upside, Bilt Palladium Card tops out at 6x versus 3x for American Express Green Card. Current signup bonus values are roughly $800 for American Express Green Card and $1003 for Bilt Palladium Card. Updated May 30, 2026. Source: https://cardcurator.ai/compare/american-express-green-card-vs-bilt-palladium-card
- Bilt Palladium Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bilt Palladium Card reaches 6x; American Express Green Card reaches 3x.
- Annual fee: Bilt Palladium Card is $495/yr; American Express Green Card is $150/yr.
- Current public bonus values are approximately $800 and $1003.
Common Questions: American Express Green Card vs Bilt Palladium Card
Is the American Express Green Card or Bilt Palladium Card better for dining?
American Express Green Card earns 3x on dining; Bilt Palladium Card earns 6x on dining. Bilt Palladium Card wins for dining.
Which has the higher signup bonus in 2026?
American Express Green Card currently offers 40,000 pts signup bonus (spend $3,000 in 6 months). Bilt Palladium Card offers 50,000 pts signup bonus (spend $4,000 in 3 months). Bilt Palladium Card has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the American Express Green Card and the Bilt Palladium Card?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. American Express Green Card is from American Express and Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.