Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs Chase Freedom Unlimited

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

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Chase Freedom Unlimited card art
Chase Ultimate Rewards
Chase Freedom Unlimited
Chase
More Info
Annual Fee
$495/yr
No annual fee
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
30,000 points
Spend $500 in 3 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • Chase Travel 5x
  • Dining 3x
  • Drugstores 3x
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
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
  • Virgin Atlantic Flying Club
  • Aer Lingus AerClub
  • Air Canada Aeroplan
  • British Airways Executive Club
  • Flying Blue
  • +9 more
Open full comparison tool Compare more cards

Common Questions: Bilt Palladium Card vs Chase Freedom Unlimited

Is the Bilt Palladium Card or Chase Freedom Unlimited better for dining?

Bilt Palladium Card earns 6x on dining; Chase Freedom Unlimited earns 3x on dining. Bilt Palladium Card wins for dining.

Which has the higher signup bonus in 2026?

Bilt Palladium Card currently offers 50,000 pts signup bonus (spend $4,000 in 3 months). Chase Freedom Unlimited offers 30,000 pts signup bonus (spend $500 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 Bilt Palladium Card and the Chase Freedom Unlimited?

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 Chase Freedom Unlimited is from Chase, so they're governed by separate bank policies.