The Hilton Honors Surpass edges out the Bilt Palladium Card for most cardholders — it wins on 3 of 4 comparison categories and offers 130,000 pts signup bonus earns more (up to 12x vs 6x). The Bilt Palladium Card is the better choice if you prioritize a different rewards ecosystem.
Bilt Palladium Card vs Hilton Honors Surpass
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- Dining 6x
- Travel 3x
- Rent 2x
- hotels and resorts within the Hilton portfolio 12x
- Dining At U.S. restaurants, including takeout and delivery, 6x
- Groceries At U.S. supermarkets 6x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Hilton Credit $50
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- Hilton Honors Gold Status
- Free Night AwardAfter $15,000 spend
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Common Questions: Bilt Palladium Card vs Hilton Honors Surpass
Is the Bilt Palladium Card or Hilton Honors Surpass better for dining?
Bilt Palladium Card earns 6x on dining; Hilton Honors Surpass earns 6x 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). Hilton Honors Surpass offers 130,000 pts signup bonus (spend $3,000 in 6 months). Hilton Honors Surpass 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 Hilton Honors Surpass?
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 Hilton Honors Surpass is from American Express, so they're governed by separate bank policies.