Card Comparison
Atmos Rewards Ascent vs Bilt Palladium Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
$495/yr
Foreign Fees
None
None
Signup Bonus
85,000 points
Spend $4,500 in 4 months
50,000 points + $300 credit
Spend $4,000 in 3 months
Top Earn Rates
- Alaska Airlines and Hawaiian Airlines purchases 3x
- eligible gas, EV charging station, cable, streaming services and local transit 2x
- All Other Purchases 1x
- Dining 6x
- Travel 3x
- Rent 2x
Reward Type
miles
miles
Key Credits
None
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
Card Perks
- free checked bag and preferred boarding (~$70/yr)
- $100 off an annual Alaska Lounge+ membership (~$100/yr)
- Enjoy 20% back on all Alaska Airlines and Hawaiian Airlines in-flight purchases (~$20/yr)
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
Spend Milestones
- Annual $99 Companion Fare. Get a $99 Companion Fare (plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines and Hawaiian Airlines flights within North America booked on AlaskaAir.comAfter $6,000 spend
No milestones
Transfer Partners
No transfer partners
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Common Questions: Atmos Rewards Ascent vs Bilt Palladium Card
Is the Atmos Rewards Ascent or Bilt Palladium Card better for dining?
Atmos Rewards Ascent has no dining bonus; Bilt Palladium Card earns 6x on dining.
Which has the higher signup bonus in 2026?
Atmos Rewards Ascent currently offers 85,000 pts signup bonus (spend $4,500 in 4 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 Atmos Rewards Ascent 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. Atmos Rewards Ascent is from Bank of America and Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.