Bilt Palladium vs World of Hyatt Business Credit Card
Side-by-side comparison
| Bilt Palladium | World of Hyatt Business Credit Card | |
|---|---|---|
| Annual fee | $495 | $199 |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | 60,000 points |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 1% |
| Phone & internet | 2% | 1% |
| Travel | 2% | 4% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $636 |
| Points type | Transfers to airlines & hotels | Locked to World of Hyatt |
| 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 World of Hyatt Business Credit Card about $636, 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 World of Hyatt Business Credit Card charges $199, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bilt Palladium delivers more total value, about $268 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and advertising. The bigger difference is the ceiling: the Bilt Palladium earns points you can move to travel partners for outsized value, while the World of Hyatt Business Credit Card stays locked to a single airline or hotel program. Favor the Bilt Palladium if you will use travel transfers, the World of Hyatt Business 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 advertising, shipping, office supplies. Pick the World of Hyatt Business Credit Card if your spending leans toward travel.