Card Comparison
Bilt Palladium Card vs United Explorer
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$495/yr
$150/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
- United Purchases 2x
- Restaurant Purchases 2x
- Hotel Stays 2x
Reward Type
miles
miles
Key Credits
- Bilt Travel Hotel Credit $200
- $200 Bilt Cash $200
- Priority Pass $469
- Statement Credit $5
- Statement Credit $50
- Statement Credit $50
- +1 more
Card Perks
- Priority Pass Select
- Marriott Bonvoy Gold Elite Status
- IHG One Rewards Platinum Elite Status
- +2 more
- 2 United Club one-time passes per year
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 United Explorer
Is the Bilt Palladium Card or United Explorer better for dining?
Bilt Palladium Card earns 6x on dining; United Explorer 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 Explorer offers 85,000 pts signup bonus (spend $3,000 in 3 months). United Explorer 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 Explorer?
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 Explorer is from Chase, so they're governed by separate bank policies.