Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs Bilt Palladium Card

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

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Annual Fee
$95/yr
$495/yr
Foreign Fees
None
None
Signup Bonus
60,000 points
Spend $4,000 in 3 months
50,000 points + $300 credit
Spend $4,000 in 3 months
Top Earn Rates
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
  • Dining 6x
  • Travel 3x
  • Rent 2x
Reward Type
miles
miles
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
  • 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
Open full comparison tool Compare more cards

Common Questions: Bank of America Premium Rewards vs Bilt Palladium Card

Is the Bank of America Premium Rewards or Bilt Palladium Card better for dining?

Bank of America Premium Rewards 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?

Bank of America Premium Rewards currently offers 60,000 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 Bank of America Premium Rewards 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. Bank of America Premium Rewards is from Bank of America and Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.