Card Comparison
Bilt Palladium Card vs British Airways Visa
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$495/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
85,000 points
Spend $5,000 in 3 months
Top Earn Rates
- Dining 6x
- Travel 3x
- Rent 2x
- British Airways, Aer Lingus, and Iberia 3x
- hotel accommodations when booked directly with the hotel 2x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
None
Card Perks
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
None listed
Spend Milestones
No milestones
- Travel Together Ticket every calendar year you make $30,000 in purchases on your British Airways credit card. Valid for two years when you redeem Avios for a flight on British Airways for a companion traveling on the same flight, or use it for a 50% discount on the Avios price you pay when booking a solo reward flightAfter $30,000 spend
Transfer Partners
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
No transfer partners
Common Questions: Bilt Palladium Card vs British Airways Visa
Is the Bilt Palladium Card or British Airways Visa better for dining?
Bilt Palladium Card earns 6x on dining; British Airways Visa has no dining bonus.
Which has the higher signup bonus in 2026?
Bilt Palladium Card currently offers 50,000 pts signup bonus (spend $4,000 in 3 months). British Airways Visa offers 85,000 pts signup bonus (spend $5,000 in 3 months). British Airways Visa 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 Bilt Palladium Card and the British Airways Visa?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Palladium Card is from Cardless and British Airways Visa is from Chase, so they're governed by separate bank policies.