Bilt Palladium vs Gemini Credit Card
Side-by-side comparison
| Bilt Palladium | Gemini Credit Card | |
|---|---|---|
| Annual fee | $495 | No annual fee |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | No current offer |
| Dining | 2x | 3x |
| Groceries | 2x | 2x |
| Gas | 2x | 4x |
| Travel | 2x | 1x |
| Streaming | 2x | 1x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $583 | $476 |
| Points type | Transfers to airlines & hotels | Cash back only |
| 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 Gemini Credit Card about $476, 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 Gemini Credit Card has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Gemini Credit Card delivers more total value, about $88 a year more for a typical spender, mostly because it earns more where you spend most, on gas and dining. The bigger difference is the ceiling: the Bilt Palladium earns points you can move to travel partners for outsized value, while the Gemini Credit Card pays plain cash back. Favor the Bilt Palladium if you will use travel transfers, the Gemini Credit Card if you want simplicity. 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.
Pick the Bilt Palladium if your spending leans toward travel, streaming, everything else. Pick the Gemini Credit Card if your spending leans toward dining, gas.