The Bilt Palladium Card and Southwest Premier are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); Southwest Premier wins on 2 (85,000 pts signup bonus). The better pick depends on your spending patterns.
Bilt Palladium Card vs Southwest Premier
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
- 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
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 $3,000 in 3 months). Southwest Premier 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.