Bilt Palladium vs United Explorer
Side-by-side comparison: signup bonus, annual fee, benefits, transfer partners. Updated daily from issuer pages.
Quick Answer
For year-one net value (welcome bonus minus annual fee), United Explorer comes out ahead at ~$985 at a lower $95 annual fee vs $495. United Explorer sits in United MileagePlus; Bilt Palladium sits in Bilt Rewards. The right pick still depends on which credits and category multipliers fit your spending pattern — full breakdown below.
United Explorer
Highest first-year value among the 2 cards you're comparing — $1,223 after annual fee.
Bilt
Bilt Palladium
Annual Fee
$495/yr
Signup Bonus
50,000 Bilt Rewards
Bonus Value
~$1,100
Benefits Value
—
Spend Req.
$4,000 / 3mo
Rewards Currency
Bilt Rewards
Network
Mastercard
Card Type
Personal
Benefits
No tracked benefits
Chase
United Explorer
Annual Fee
$95/yr
Signup Bonus
80,000 United MileagePlus
Bonus Value
~$1,080
Benefits Value
~$238/yr
Spend Req.
$3,000 / 3mo
Rewards Currency
United MileagePlus
Network
Visa
Card Type
Personal
Benefits
🛫 airline credit
First Checked Bag Free
$70/use
Priority Boarding
$50/yr
🏛️ lounge
2 United Club Passes Per Year
$118/yr
Quick winners by category
The fast answer if you came here looking for one specific thing.
Best for Travel
United Explorer
Better travel category multipliers and partner network for routing flights/hotels.
Best for Dining
Bilt Palladium
Stronger dining category multiplier for everyday restaurant spending.
Best for Lounge Access
Bilt Palladium
Stronger lounge network (Priority Pass) than the other card's United Club (day passes).
Best for Transfer Partners
Bilt Palladium
Bilt Rewards has 10+ transfer partners — better redemption flexibility.
Best for Beginners
United Explorer
Lower $95 annual fee makes the math safer for newer cardholders.
Best Overall Value
United Explorer
~$1,223 of first-year value after annual fee — wins the math.
Best for Premium Travel
Bilt Palladium
Premium hotel credits, top-tier lounge access, and travel insurance built in — the luxury-travel pick.
Best for Hyatt Transfers
Bilt Palladium
Transfers points to World of Hyatt 1:1 — the highest-CPP redemption in the points game. Bilt Rewards owns this advantage.
What it's worth for your spending
Estimated first-year value (welcome bonus + benefits − annual fee) for four common spending profiles.
| Profile | Bilt Palladium | United Explorer |
|---|---|---|
| Light spender, building credit | $781 | $1,417 |
| Everyday family ($40K/yr spend) | $1,199 | $1,817 |
| Frequent traveler (2-3 trips/yr) | $1,361 | $1,835 |
| Premium traveler (5+ trips/yr) | $2,045 | $2,249 |
Year-one value = welcome bonus + tracked benefits + estimated points value from spending − annual fee. Points valued at 1.5¢ each (transferable) or 1¢ each (cashback). Real-world value depends on how you redeem.
Side-by-side: every spec that matters
Higher value highlighted in green per row.
| Bilt Palladium | United Explorer | |
|---|---|---|
| Welcome bonus | 50,000 Bilt Rewards (~$1,100) | 80,000 United MileagePlus (~$1,080) |
| Annual fee | $495/yr | $95/yr |
| Authorized user fee | $0 | $0 |
| Transfer partners | 10+ partners (Bilt Rewards) | None (single program) |
| Travel credits | — | $120/yr |
| Lounge access | Priority Pass only | United Club (day passes only) |
| Dining rewards | 1x | 2x |
| Grocery rewards | 1x | 1x |
| Hotel rewards | 3x | 2x 2x on hotel stays booked directly with hotel |
| Travel insurance | Comprehensive | Limited |
| Cell phone protection | Included | Included |
| Foreign transaction fee | $0 | $0 |
| Mobile wallet | Apple Pay, Google Pay, Samsung Pay | Apple Pay, Google Pay, Samsung Pay |
| Network | Mastercard | Visa |
Who should get the Bilt Palladium?
- ✓You're a frequent traveler willing to absorb a $495 annual fee for premium credits and lounge access.
- ✓Travel is one of your top 3 spending categories and you want to earn faster on flights, hotels, and ride-shares.
- ✓You book aspirational hotels and want elite status, suite upgrades, and resort credits without earning them through stays.
- ✓You fly enough that airport lounge access alone justifies the annual fee.
- ✓You enjoy stacking multipliers, calendaring statement credits, and treating your wallet like a small portfolio — the extra cognitive load is worth real $ to you.
- ✓You're already over 5/24 — Chase approvals are unlikely for now, so Amex / Cap One / Citi cards are the realistic next move.
- ✓You only need to clear first-year math — welcome bonus + statement credits − AF — and are happy to downgrade or cancel before year two if the credits don't fit your life.
Who should get the United Explorer?
- ✓You're comfortable with a $95 annual fee in exchange for stronger earning and welcome bonus value.
- ✓You fly a specific airline 4+ times per year and want elite-style perks (free bags, priority boarding).
- ✓You fly enough that airport lounge access alone justifies the annual fee.
- ✓You're under Chase 5/24 (≤ 4 new personal cards in the last 24 months) — that window is precious, so prioritise the Chase application now.
Frequently asked questions
Which has a better welcome bonus, Bilt Palladium or United Explorer?
Bilt Palladium currently offers the stronger welcome bonus by estimated cash value (~1,100 vs ~1,080). Welcome bonus offers change frequently — check the current offer on each card's detail page before applying.
Is the Bilt Palladium worth the 495 annual fee?
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.
Is the United Explorer worth the 95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~1,080) and statement credits alone typically cover the 95 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.
Can I have both the Bilt Palladium and the United Explorer?
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.
Which card is better for transferring points to Hyatt?
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 Explorer doesn't transfer to Hyatt — United MileagePlus has no Hyatt partnership.
Which card has better airport lounge access?
Bilt Palladium unlocks Priority Pass; United Explorer unlocks United Club (day passes). 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.
Which card has the better overall value?
Based on first-year math (welcome bonus + tracked statement credits − annual fee), United Explorer comes out ahead at ~1,223 of net value vs ~605 for the other card. After year one, the better card for YOU depends on how naturally you'll use the credits and category bonuses.
Does Chase's 5/24 rule affect approval for these cards?
Yes — United Explorer 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.
Ready to apply?
Click through to the issuer's secure application page. Welcome bonus offers are confirmed at the time of approval, not at click time.
Bilt
Bilt Palladium
Welcome: 50,000 Bilt Rewards · ~$1,100 est. value
Chase
United Explorer
Welcome: 80,000 United MileagePlus · ~$1,080 est. value
Run your own numbers
These calculators use the same data this comparison runs on — plug in your spending and see net value.
Last reviewed
2026-05-29
Data sources
Issuer pages (verified via Playwright on this date), TPG monthly valuations, public award charts.
Methodology
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page, but the side-by-side ranking, Quick Winners and Real-World Scenarios are algorithmic and identical for all readers. We never accept payment to change ordering.
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