Card Comparison
Bilt Palladium Card vs LATAM Airlines World Elite Mastercard
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$495/yr
$99/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
45,000 points
Spend $2,500 in 3 months
Top Earn Rates
- Dining 6x
- Travel 3x
- Rent 2x
- LATAM Airlines 4x
- Restaurants, Rideshare, taxis, & public transit 3x
- All Other Purchases 1x
Reward Type
miles
miles
Key Credits
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
None
Card Perks
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- LATAM Airlines-operated VIP Lounges (~$100/yr)
- Cabin Upgrade (~$50/yr)
Transfer Partners
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
No transfer partners
Common Questions: Bilt Palladium Card vs LATAM Airlines World Elite Mastercard
Is the Bilt Palladium Card or LATAM Airlines World Elite Mastercard better for dining?
Bilt Palladium Card earns 6x on dining; LATAM Airlines World Elite Mastercard earns 3x 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). LATAM Airlines World Elite Mastercard offers 45,000 pts signup bonus (spend $2,500 in 3 months). Bilt Palladium 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 LATAM Airlines World Elite Mastercard?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Cardless, so check their specific application rules.