Bilt Palladium vs Capital One QuicksilverOne
Side-by-side comparison
| Bilt Palladium | Capital One QuicksilverOne | |
|---|---|---|
| Annual fee | $495 | $39 |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | No current offer |
| Dining | 2x | 1.5x |
| Groceries | 2x | 1.5x |
| Gas | 2x | 1.5x |
| Travel | 2x | 1.5x |
| Streaming | 2x | 1.5x |
| Everything else | 2x | 1.5x |
| Est. yearly rewards* | $583 | $437 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Bilt Palladium earns about $583 a year in rewards and the Capital One QuicksilverOne about $437, valuing every point at a flat 1 cent. The Bilt Palladium charges $495, but carries about $600 in annual statement credits that offset it for anyone who uses them. The Capital One QuicksilverOne charges $39, which you clear through its rewards and perks. These two are about as close as cards get: their category rates line up almost exactly, they sit in the same fee tier, and on that spending they finish within $10 of each other. The choice is not really about the rewards rate. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. One tiebreaker: the Bilt Palladium adds airport lounge access, which the other does not. On the sign-up bonus, the Bilt Palladium currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.