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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs IHG One Rewards Premier Credit Card

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
IHG One Rewards Premier Credit Card card art
IHG One Rewards
IHG One Rewards Premier Credit Card
Chase
More Info
Annual Fee
$495/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
175,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • IHG Hotels and Resorts 10x
  • Travel 5x
  • Dining 5x
Reward Type
miles
miles
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
  • Statement Credit $100
  • Statement Credit $120
  • Statement Credit $50
Card Perks
  • Priority Pass Select
  • Marriott Bonvoy Gold Elite Status
  • IHG One Rewards Platinum Elite Status
  • +2 more
  • 4th award night free
  • Platinum Elite Status
Spend Milestones
No milestones
  • 100 Statement Credit
    After $20,000 spend
  • 10000 points
    After $20,000 spend
Transfer Partners
  • Atmos Rewards
  • Avianca LifeMiles
  • United MileagePlus
  • Flying Blue
  • Virgin Atlantic Flying Club
  • +19 more
No transfer partners
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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.