The Bilt Palladium Card and Chase Sapphire Reserve are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); Chase Sapphire Reserve wins on 2 (150,000 pts signup bonus). The better pick depends on your spending patterns.
Bilt Palladium Card vs Chase Sapphire Reserve
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Dining 6x
- Travel 3x
- Rent 2x
- Chase Travel 8x
- Lyft 5x
- Flights (Direct) 4x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Annual Travel Credit $300
- The Edit Hotel Credit $250
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- Priority Pass Select
- Chase Sapphire Lounge by The Club
- DashPass
- +3 more
- 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
Quick summary
A short version of the comparison with the main differences at a glance.
The Bilt Palladium Card and Chase Sapphire Reserve are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); Chase Sapphire Reserve wins on 2 (150,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Bilt Palladium Card tops out at 6x versus 8x for Chase Sapphire Reserve. Current signup bonus values are roughly $1003 for Bilt Palladium Card and $1500 for Chase Sapphire Reserve. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bilt-palladium-card-vs-chase-sapphire-reserve
- Bilt Palladium Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bilt Palladium Card reaches 6x; Chase Sapphire Reserve reaches 8x.
- Annual fee: Bilt Palladium Card is $495/yr; Chase Sapphire Reserve is $795/yr.
- Current public bonus values are approximately $1003 and $1500.
Common Questions: Bilt Palladium Card vs Chase Sapphire Reserve
Is the Bilt Palladium Card or Chase Sapphire Reserve better for dining?
Bilt Palladium Card earns 6x on dining; Chase Sapphire Reserve 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 Sapphire Reserve offers 150,000 pts signup bonus (spend $6,000 in 3 months). Chase Sapphire Reserve 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 Sapphire Reserve?
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 Sapphire Reserve is from Chase, so they're governed by separate bank policies.