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CardCurator — Rewards Intelligence
Card Comparison

Atmos Rewards Summit vs Bilt Palladium Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Atmos Rewards Summit card art
Atmos Rewards
Atmos Rewards Summit
Bank of America
More Info
Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Annual Fee
$395/yr
$495/yr
Foreign Fees
None
None
Signup Bonus
100,000 points
Spend $6,000 in 3 months
50,000 points + $300 credit
Spend $4,000 in 3 months
Top Earn Rates
  • dining, foreign transaction, Alaska Airlines and Hawaiian Airlines 3x
  • All Other Purchases 1x
  • Dining 6x
  • Travel 3x
  • Rent 2x
Reward Type
miles
miles
Key Credits
  • Annual Travel Credit $200
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
Card Perks
  • Free checked bag (~$70/yr)
  • 8 Alaska Lounge Passes (~$520/yr)
  • TSA PreCheck® or Global Entry (~$118/yr)
  • +2 more
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
Spend Milestones
  • 100,000-point Global Companion Award
    After $60,000 spend
No milestones
Transfer Partners
No transfer partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
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Common Questions: Atmos Rewards Summit vs Bilt Palladium Card

Is the Atmos Rewards Summit or Bilt Palladium Card better for dining?

Atmos Rewards Summit 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?

Atmos Rewards Summit currently offers 100,000 pts signup bonus (spend $6,000 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 Summit 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 Summit is from Bank of America and Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.