Card Comparison
Avianca Lifemiles American Express Card 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
40,000 points
Spend $3,000 in 3 months
50,000 points + $300 credit
Spend $4,000 in 3 months
Top Earn Rates
- restaurants, groceries, or supermarkets 2x
- LifeMiles or Avianca airlines 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
- Silver Elite Status
- Miles don't expire
- 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: Avianca Lifemiles American Express Card vs Bilt Palladium Card
Is the Avianca Lifemiles American Express Card or Bilt Palladium Card better for dining?
Avianca Lifemiles American Express Card earns 2x on dining; Bilt Palladium Card earns 6x on dining. Bilt Palladium Card wins for dining.
Which has the higher signup bonus in 2026?
Avianca Lifemiles American Express Card currently offers 40,000 pts signup bonus (spend $3,000 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 Avianca Lifemiles American Express 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. Both cards are from Cardless, so check their specific application rules.