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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs Southwest Performance Business

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

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
Southwest Performance Business card art
Southwest Rapid Rewards
Southwest Performance Business
Chase
More Info
Annual Fee
$495/yr
$299/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
80,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • 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
Reward Type
miles
miles
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
  • WiFi Credit $8
  • Global Entry / TSA PreCheck $100
Card Perks
  • 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
Spend Milestones
No milestones
  • 1,500 Tier Qualifying Points toward A-List status
    After $10,000 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 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.