Bilt Palladium vs Ink Business Premier
Side-by-side comparison
| Bilt Palladium | Ink Business Premier | |
|---|---|---|
| Annual fee | $495 | $195 |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | $1,000 cash back |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 2% |
| Phone & internet | 2% | 2% |
| Travel | 2% | 2% |
| Everything else | 2% | 2% |
| Est. yearly rewards* | $900 | $900 |
| Points type | Transfers to airlines & hotels | Cash back only |
| Network | Mastercard | Visa |
*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 business spending, the Bilt Palladium earns about $900 a year in rewards and the Ink Business Premier about $900, 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 Ink Business Premier charges $195, which you clear through its rewards and perks. These two are about as close as cards get: both pay a flat 2x on everything, they sit in the same fee tier, and on that spending they finish within a few dollars of each other. The choice is not really about the rewards rate. The bigger difference is the ceiling: the Bilt Palladium earns points you can move to travel partners for outsized value, while the Ink Business Premier pays plain cash back. Favor the Bilt Palladium if you will use travel transfers, the Ink Business Premier if you want simplicity. One tiebreaker: the Bilt Palladium adds no foreign transaction fees, which the other does not. On the sign-up bonus, the Ink Business Premier currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.