The IHG One Rewards Premier Credit Card edges out the Bilt Palladium Card for most cardholders — it wins on 3 of 4 comparison categories and offers 175,000 pts signup bonus earns more (up to 10x vs 6x). The Bilt Palladium Card is the better choice if you prioritize a different rewards ecosystem.
Bilt Palladium Card vs IHG One Rewards Premier Credit Card
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
- IHG Hotels and Resorts 10x
- Travel 5x
- Dining 5x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Statement Credit $100
- Statement Credit $120
- Statement Credit $50
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- 4th award night free
- Platinum Elite Status
- 100 Statement CreditAfter $20,000 spend
- 10000 pointsAfter $20,000 spend
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
Quick summary
A short version of the comparison with the main differences at a glance.
The IHG One Rewards Premier Credit Card edges out the Bilt Palladium Card for most cardholders — it wins on 3 of 4 comparison categories and offers 175,000 pts signup bonus earns more (up to 10x vs 6x). The Bilt Palladium Card is the better choice if you prioritize a different rewards ecosystem. On raw upside, IHG One Rewards Premier Credit Card tops out at 10x versus 6x for Bilt Palladium Card. Current signup bonus values are roughly $1003 for Bilt Palladium Card and $1225 for IHG One Rewards Premier Credit Card. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bilt-palladium-card-vs-ihg-one-rewards-premier-credit-card
- IHG One Rewards Premier Credit Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: IHG One Rewards Premier Credit Card reaches 10x; Bilt Palladium Card reaches 6x.
- Annual fee: IHG One Rewards Premier Credit Card is $99/yr; Bilt Palladium Card is $495/yr.
- Current public bonus values are approximately $1003 and $1225.
Common Questions: Bilt Palladium Card vs IHG One Rewards Premier Credit Card
Is the Bilt Palladium Card or IHG One Rewards Premier Credit Card better for dining?
Bilt Palladium Card earns 6x on dining; IHG One Rewards Premier Credit Card earns 5x 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). IHG One Rewards Premier Credit Card offers 175,000 pts signup bonus (spend $5,000 in 3 months). IHG One Rewards Premier Credit 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 IHG One Rewards Premier Credit Card?
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 IHG One Rewards Premier Credit Card is from Chase, so they're governed by separate bank policies.