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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Unlimited Cash Rewards vs Bilt Palladium Card

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

Bank of America Unlimited Cash Rewards card art
Bank of America Cash Rewards
Bank of America Unlimited Cash Rewards
Bank of America
More Info
Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Annual Fee
No annual fee
$495/yr
Foreign Fees
None
None
Signup Bonus
$500 credit
Spend $5,000 in 3 months
50,000 points + $300 credit
Spend $4,000 in 3 months
Top Earn Rates
  • All Purchases 1.5x
  • Dining 6x
  • Travel 3x
  • Rent 2x
Reward Type
cashback
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
Cash back only
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
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Common Questions: Bank of America Unlimited Cash Rewards vs Bilt Palladium Card

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

Bank of America Unlimited Cash Rewards has no dining bonus; Bilt Palladium Card earns 6x on dining.

Which has the higher signup bonus in 2026?

Bank of America Unlimited Cash Rewards currently offers $200 signup bonus (spend $5,000 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 Unlimited Cash 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 Unlimited Cash Rewards is from Bank of America and Bilt Palladium Card is from Cardless, so they're governed by separate bank policies.