The Bilt Palladium Card and Southwest Performance Business are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); Southwest Performance Business wins on 2 (80,000 pts signup bonus). The better pick depends on your spending patterns.
Bilt Palladium Card vs Southwest Performance Business
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
- Southwest Airlines 4x
- Rapid Rewards Hotel and Car Rental Partners 3x
- Social Media and Search Engine Advertising, Internet, Cable and Phone Services 2x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- WiFi Credit $8
- Global Entry / TSA PreCheck $100
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- Four Upgraded Boardings Per Year
- In-Flight WiFi Credits
- 1,500 Tier Qualifying Points
- +1 more
- 1,500 Tier Qualifying Points toward A-List statusAfter $10,000 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 Bilt Palladium Card and Southwest Performance Business are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); Southwest Performance Business wins on 2 (80,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Bilt Palladium Card tops out at 6x versus 4x for Southwest Performance Business. Current signup bonus values are roughly $1003 for Bilt Palladium Card and $1120 for Southwest Performance Business. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bilt-palladium-card-vs-southwest-performance-business
- Bilt Palladium Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bilt Palladium Card reaches 6x; Southwest Performance Business reaches 4x.
- Annual fee: Bilt Palladium Card is $495/yr; Southwest Performance Business is $299/yr.
- Current public bonus values are approximately $1003 and $1120.
Common Questions: Bilt Palladium Card vs Southwest Performance Business
Is the Bilt Palladium Card or Southwest Performance Business better for dining?
Bilt Palladium Card earns 6x on dining; Southwest Performance Business has no dining bonus.
Which has the higher signup bonus in 2026?
Bilt Palladium Card currently offers 50,000 pts signup bonus (spend $4,000 in 3 months). Southwest Performance Business offers 80,000 pts signup bonus (spend $5,000 in 3 months). Southwest Performance Business 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 Southwest Performance Business?
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 Southwest Performance Business is from Chase, so they're governed by separate bank policies.