Bilt Palladium vs Bonvoy Brilliant

Bonvoy Brilliant currently has the stronger offer: 185,000 Marriott Bonvoy (~$1,480 value) after $6,000 spend in 6 months, vs 50,000 Bilt Rewards (~$1,100) after $4,000 in 3 months for Bilt Palladium. Welcome offers change frequently — verify the current offer on the issuer's application page before applying.

For first-year cardholders the answer is usually yes — the welcome bonus (~$1,100) and statement credits alone typically cover the $495 fee several times over. After year one, the math depends on your spending patterns. Use our Annual Fee Calculator with your actual numbers to verify before renewing.

For first-year cardholders the answer is usually yes — the welcome bonus (~$1,480) and statement credits alone typically cover the $650 fee several times over. After year one, the math depends on your spending patterns. Use our Annual Fee Calculator with your actual numbers to verify before renewing.

Yes — these cards are from different issuers (Bilt and Amex), so holding both is fine. Each card has its own welcome bonus and benefits with no overlap rules between the two issuers. Also note Bonvoy Brilliant's welcome bonus is once per lifetime under Amex's rules — time that application for when the offer is elevated.

Bilt Palladium transfers to World of Hyatt at 1:1 through its Bilt Rewards ecosystem — one of the highest-CPP redemptions in the points game. Bonvoy Brilliant doesn't transfer to Hyatt — Marriott Bonvoy has no Hyatt partnership.

Bilt Palladium unlocks Priority Pass; Bonvoy Brilliant unlocks Priority Pass. Both give you a real lounge experience, but the networks don't overlap — pick the card whose lounge footprint fits the airports you actually fly through.

Based on first-year math (welcome bonus + tracked statement credits − annual fee), Bonvoy Brilliant comes out ahead at ~$2,375 of net value vs ~$1,545 for the other card. After year one, the better card for YOU depends on how naturally you'll use the credits and category bonuses.

Bilt Palladium has the easier bar — $4,000 in 3 months — vs $6,000 in 6 months for Bonvoy Brilliant. Don't manufacture spend just to hit a higher threshold — if you can't reach it through normal spending, the card isn't the right fit right now.

Bilt Palladium wins on raw partner breadth — 10 transfer partners vs 0 for Bonvoy Brilliant. More partners means more routing flexibility for award flights and hotel redemptions. That said, partner *quality* often matters more than partner *count*: a single great partner (e.g. Hyatt at 1:1) can outweigh a dozen weak ones.

Every comparison uses the same fixed methodology: welcome offer value (bonus × current points valuation minus AF), category earning rates, annual fee vs benefit math, transfer-partner depth + redemption value, lounge tier, travel protections, and foreign transaction handling. Card facts come from issuer pages (verified via Playwright on the "Last reviewed" date), card-program award charts, and TPG monthly valuations. Nothing on this page is paid-placement — the Quick Winners, Real-World Scenarios, and Comparison Table are deterministic outputs from the data, not editorial opinion.

The comparison data regenerates on every site build (typically multiple times per week as offers change). Welcome offer terms, annual fees, and category multipliers are verified against issuer pages and refreshed as part of the catalog. Welcome bonuses, annual fees, and benefits can change at any time at the issuer's discretion — always confirm current terms on the issuer's application page before applying. The "Last reviewed" date in the trust strip below shows the most recent manual methodology + data-source audit.