Card Comparison
Atmos Rewards Business vs Bilt Palladium Card
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$99/yr
$495/yr
Foreign Fees
None
None
Signup Bonus
75,000 points
Spend $4,000 in 3 months
50,000 points + $300 credit
Spend $4,000 in 3 months
Top Earn Rates
- All 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
None listed
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
Transfer Partners
No transfer partners
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Common Questions: Atmos Rewards Business vs Bilt Palladium Card
Is the Atmos Rewards Business or Bilt Palladium Card better for dining?
Atmos Rewards Business has no dining bonus; Bilt Palladium Card earns 6x on dining.
Which has the higher signup bonus in 2026?
Atmos Rewards Business currently offers 75,000 pts signup bonus (spend $4,000 in 3 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 Business 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 Business is from Bank of America and Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.