The Bilt Palladium Card and United Club℠ Infinite Card are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); United Club℠ Infinite Card wins on 2 (110,000 pts signup bonus). The better pick depends on your spending patterns.
Bilt Palladium Card vs United Club℠ Infinite Card
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
- United Purchases 5x
- Dining 2x
- All Other Travel 2x
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Global Entry / TSA PreCheck / NEXUS Credit $120
- Renowned Hotels Credit $200
- Rideshare Credit $150
- +3 more
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- United Club Membership
- Free First and Second Checked Bags
- Premier Access
- +1 more
- 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 United Club℠ Infinite Card are closely matched. Bilt Palladium Card wins on 2 categories (50,000 pts signup bonus); United Club℠ Infinite Card wins on 2 (110,000 pts signup bonus). The better pick depends on your spending patterns. On raw upside, Bilt Palladium Card tops out at 6x versus 5x for United Club℠ Infinite Card. Current signup bonus values are roughly $1003 for Bilt Palladium Card and $1100 for United Club℠ Infinite Card. Updated May 30, 2026. Source: https://cardcurator.ai/compare/bilt-palladium-card-vs-united-club
- Bilt Palladium Card wins 2 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: Bilt Palladium Card reaches 6x; United Club℠ Infinite Card reaches 5x.
- Annual fee: Bilt Palladium Card is $495/yr; United Club℠ Infinite Card is $695/yr.
- Current public bonus values are approximately $1003 and $1100.
Common Questions: Bilt Palladium Card vs United Club℠ Infinite Card
Is the Bilt Palladium Card or United Club℠ Infinite Card better for dining?
Bilt Palladium Card earns 6x on dining; United Club℠ Infinite Card 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). United Club℠ Infinite Card offers 110,000 pts signup bonus (spend $5,000 in 3 months). United Club℠ Infinite 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 United Club℠ Infinite Card?
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 United Club℠ Infinite Card is from Chase, so they're governed by separate bank policies.