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 Bilt Palladium Card ($495/yr) and the Citi Double Cash® Card (no annual fee) comes down to where you spend most. Citi Double Cash Card comes out ahead of Bilt Palladium Card at every spending level on the rates you earn anywhere: Bilt Palladium Card never earns enough more to cover its $495 higher annual fee. Enter your monthly spending above to see which comes out ahead for you.
2x 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 NowUnlimited 2% cash back on all purchases. Earns a solid 2.0% on everything else.
Perfect if: You're comfortable booking through the issuer's own site for the best rate.
Apply Now| Feature | Bilt Palladium Card | Citi Double Cash Card |
|---|---|---|
| Annual Fee | $495 | $0 |
| Sign-Up Bonus | 50,000 points after $4,000 spend in 90 days | $200 after $1,500 spend in 6 months |
| Foreign Transaction Fee | 0% | 3% |
| Base Reward Rate | 2% | 2% |
| Rates with conditions not counted in the rows above |
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%. |
5% through Citi Travel Earns 5% only on hotels, car rentals and attractions booked through Citi Travel, Citi's own booking site. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 2x on everything, 4x on hotels through Bilt Travel, 4x on Lyft, up to 1.25x on rent and mortgage. | Unlimited 2% cash back on all purchases. |
These cards are closely matched across categories, so the winner comes down to your specific spending mix.
The $495/year fee difference means Bilt Palladium Card needs to earn about that much more in rewards to justify its cost.
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.