The Bilt Palladium Card edges out the Citi Double Cash for most cardholders — it wins on 3 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 6x vs 5x). The Citi Double Cash is the better choice if you want no or lower annual fee.
Bilt Palladium Card vs Citi Double Cash
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Dining 6x
- Travel 3x
- Rent 2x
- Citi Travel 5x
- All Other Purchases 2x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
Common Questions: Bilt Palladium Card vs Citi Double Cash
Is the Bilt Palladium Card or Citi Double Cash better for dining?
Bilt Palladium Card earns 6x on dining; Citi Double Cash 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). Citi Double Cash offers $2 signup bonus (spend $1,500 in 6 months). Bilt Palladium Card has the larger bonus.
Which card is better for international travel?
Bilt Palladium Card charges no foreign transaction fees — the better pick for international use. Citi Double Cash charges 3% on foreign purchases.
Can I hold both the Bilt Palladium Card and the Citi Double Cash?
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 Citi Double Cash is from Citi, so they're governed by separate bank policies.