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CardCurator — Rewards Intelligence
Card Comparison

Bilt Palladium Card vs United Club℠ Infinite Card

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

Bilt Palladium Card card art
Bilt Rewards
Bilt Palladium Card
Cardless
More Info
United Club℠ Infinite Card card art
United MileagePlus
United Club℠ Infinite Card
Chase
More Info
Annual Fee
$495/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
50,000 points + $300 credit
Spend $4,000 in 3 months
90,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Dining 6x
  • Travel 3x
  • Rent 2x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
  • Bilt Travel Hotel Credit $200
  • $200 Bilt Cash $200
  • Priority Pass $469
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
  • 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
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 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 90,000 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.