Bilt Palladium vs Delta SkyMiles® Gold Business
Side-by-side comparison
| Bilt Palladium | Delta SkyMiles® Gold Business | |
|---|---|---|
| Annual fee | $495 | $150 |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | |
| Advertising | 2% | 2% |
| Shipping | 2% | 2% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 2% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $654 |
| Points type | Transfers to airlines & hotels | Locked to Delta SkyMiles |
| Network | Mastercard | Amex |
*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 Delta SkyMiles® Gold Business about $654, 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 Delta SkyMiles® Gold Business charges $150, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bilt Palladium delivers more total value, about $201 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and office supplies. The bigger difference is the ceiling: the Bilt Palladium earns points you can move to travel partners for outsized value, while the Delta SkyMiles® Gold Business stays locked to a single airline or hotel program. Favor the Bilt Palladium if you will use travel transfers, the Delta SkyMiles® Gold Business if you want simplicity. On the sign-up bonus, the two are currently comparable in size. Note that Delta SkyMiles® Gold Business is running a limited-time offer above the usual amount, so that edge may not last. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Palladium if your spending leans toward office supplies, phone & internet, everything else.