The Bilt Palladium Card edges out the Royal ONE Plus Visa Signature Credit Card for most cardholders — it wins on 3 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 6x vs 4x). The Royal ONE Plus Visa Signature Credit Card is the better choice if you want no or lower annual fee.
Bilt Palladium Card vs Royal ONE Plus Visa Signature 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
- Royal Caribbean, Celebrity Cruises & Silversea 4x
- Airlines 2x
- Hotels 2x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Global Entry or TSA PreCheck Credit $120
- 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
Common Questions: Bilt Palladium Card vs Royal ONE Plus Visa Signature Credit Card
Is the Bilt Palladium Card or Royal ONE Plus Visa Signature Credit Card better for dining?
Bilt Palladium Card earns 6x on dining; Royal ONE Plus Visa Signature Credit Card earns 2x 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). Royal ONE Plus Visa Signature Credit Card offers 70,000 pts signup bonus (spend $3,000 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 Royal ONE Plus Visa Signature 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 Royal ONE Plus Visa Signature Credit Card is from Bank of America, so they're governed by separate bank policies.