The Bilt Palladium Card edges out the Southwest Premier for most cardholders — it wins on 3 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 6x vs 3x). The Southwest Premier is the better choice if you want no or lower annual fee.
Bilt Palladium Card vs Southwest Premier
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 Purchases 3x
- Grocery Stores and Restaurants 2x
- All Other Purchases 1x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- 1,500 Tier Qualifying Points toward A-List statusAfter $5,000 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 edges out the Southwest Premier for most cardholders — it wins on 3 of 4 comparison categories and offers 50,000 pts signup bonus earns more (up to 6x vs 3x). The Southwest Premier is the better choice if you want no or lower annual fee. On raw upside, Bilt Palladium Card tops out at 6x versus 3x for Southwest Premier. Current signup bonus values are roughly $1003 for Bilt Palladium Card and $850 for Southwest Premier. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bilt-palladium-card-vs-southwest-premier
- Bilt Palladium Card wins 3 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bilt Palladium Card reaches 6x; Southwest Premier reaches 3x.
- Annual fee: Bilt Palladium Card is $495/yr; Southwest Premier is $149/yr.
- Current public bonus values are approximately $1003 and $850.
Common Questions: Bilt Palladium Card vs Southwest Premier
Is the Bilt Palladium Card or Southwest Premier better for dining?
Bilt Palladium Card earns 6x on dining; Southwest Premier 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). Southwest Premier offers 85,000 pts signup bonus (spend $2,000 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 Southwest Premier?
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 Premier is from Chase, so they're governed by separate bank policies.