Bilt Palladium vs United Club Infinite

United Club Infinite currently has the stronger offer: 110,000 MileagePlus Miles (~$1,485 value) after $5,000 spend in 3 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 (~$1,485) and statement credits alone typically cover the $695 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 Chase), so holding both is fine. Each card has its own welcome bonus and benefits with no overlap rules between the two issuers. One sequencing tip: United Club Infinite is subject to Chase 5/24, so if you're close to the limit, apply for it first.

If you fly United several times a year, United Club Infinite is built for you: first 2 checked bags free, priority boarding, airline lounge access, a boost toward Premier Silver status. Those perks only pay off on United flights, though. If your travel is spread across airlines, Bilt Palladium is the stronger pick — its Bilt Rewards points transfer to 10+ airline and hotel partners instead of being locked into MileagePlus Miles.

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. United Club Infinite doesn't transfer to Hyatt — United MileagePlus has no Hyatt partnership.

United Club Infinite unlocks United Club (full membership); Bilt Palladium 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), United Club Infinite comes out ahead at ~$1,750 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.

Yes — United Club Infinite is issued by Chase, so the 5/24 rule applies. If you've opened 5 or more cards in the last 24 months, Chase will likely deny your application. Bilt Palladium is issued by Bilt and isn't subject to 5/24.

Bilt Palladium has the easier bar — $4,000 in 3 months — vs $5,000 in 3 months for United Club Infinite. 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 United Club Infinite. 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.