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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs Capital One Spark Cash Plus

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

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Capital One Spark Cash Plus card art
Capital One
Capital One Spark Cash Plus
Capital One
More Info
Annual Fee
$495/yr
$150/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
200,000 points
Spend $30,000 in 3 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • Hotels and rental cars booked through Capital One Travel 5x
  • All Other Purchases 2x
Reward Type
miles
cashback
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
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
  • British Airways Executive Club
  • JAL Mileage Bank
  • Qatar Avios
  • I Prefer Hotel Rewards
  • Flying Blue
  • +16 more
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Common Questions: Bilt Palladium Card vs Capital One Spark Cash Plus

Is the Bilt Palladium Card or Capital One Spark Cash Plus better for dining?

Bilt Palladium Card earns 6x on dining; Capital One Spark Cash Plus 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). Capital One Spark Cash Plus offers 200,000 pts signup bonus (spend $30,000 in 3 months). Capital One Spark Cash Plus 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 Capital One Spark Cash Plus?

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 Capital One Spark Cash Plus is from Capital One, so they're governed by separate bank policies.