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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs Chase Sapphire Reserve Business

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 Sapphire Reserve Business card art
Chase Ultimate Rewards
Chase Sapphire Reserve Business
Chase
More Info
Annual Fee
$495/yr
$795/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 6 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • Chase Travel (including The Edit) 8x
  • Lyft rides 5x
  • flights & hotels booked direct 4x
Reward Type
miles
miles
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
  • Annual Travel Credit $300
  • Stays with the Edit $250
  • Priority Pass Select Membership $429
  • +1 more
Card Perks
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
  • Chase Sapphire Lounge (~$200/yr)
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
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Common Questions: Bilt Palladium Card vs Chase Sapphire Reserve Business

Is the Bilt Palladium Card or Chase Sapphire Reserve Business better for dining?

Bilt Palladium Card earns 6x on dining; Chase Sapphire Reserve Business 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). Chase Sapphire Reserve Business offers 200,000 pts signup bonus (spend $30,000 in 6 months). Chase Sapphire Reserve Business 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 Business?

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