Card Comparison
Bilt Palladium Card vs Southwest Plus
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
85,000 points
Spend $3,000 in 3 months
Top Earn Rates
- Dining 6x
- Travel 3x
- Rent 2x
- Southwest Purchases 2x
- Gas Stations and Grocery Stores 2x
- 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
None listed
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 Southwest Plus
Is the Bilt Palladium Card or Southwest Plus better for dining?
Bilt Palladium Card earns 6x on dining; Southwest Plus 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 Plus offers 85,000 pts signup bonus (spend $3,000 in 3 months). Southwest Plus 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 Plus?
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 Plus is from Chase, so they're governed by separate bank policies.