Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the American Express Green Card ($150/yr) and the Bilt Palladium Card ($495/yr) comes down to where you spend most. Bilt Palladium Card needs about $2,875 a month in groceries, gas or other purchases, counting that spending alone, to make up its $345 higher annual fee over Amex Green Card. Below that, Amex Green Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in travel at 3%. 3X on travel, transit, and dining worldwide.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now2x on everything, 4x on hotels through Bilt Travel, 4x on Lyft, up to 1.25x on rent and mortgage. Earns a solid 2.0% on everything else.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | American Express Green Card | Bilt Palladium Card |
|---|---|---|
| Annual Fee | $150 | $495 |
| Sign-Up Bonus | 40,000 points after $3,000 spend in 6 months | 50,000 points after $4,000 spend in 90 days |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 3% | 2% |
| Dining Rewards | 3% | 2% |
| Rates with conditions not counted in the rows above |
None |
4% on hotels through Bilt Travel Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. 3% on flights through Bilt Travel Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. 4% on Lyft Earns 4% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
| Key Benefits | 3X on travel, transit, and dining worldwide. | 2x on everything, 4x on hotels through Bilt Travel, 4x on Lyft, up to 1.25x on rent and mortgage. |
American Express Green Card pulls ahead for travel, dining spending.
Bilt Palladium Card wins on groceries, gas.
The $345/year fee difference means Bilt Palladium Card needs to earn about that much more in rewards to justify its cost.
American Express Green Card carries $209/year in credits (mostly tied to specific merchants or bookings), while Bilt Palladium Card carries $400/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.