Bilt Palladium vs Ink Business Cash®
Side-by-side comparison
| Bilt Palladium | Ink Business Cash® | |
|---|---|---|
| Annual fee | $495 | No annual fee |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | |
| Advertising | 2% | 1% |
| Shipping | 2% | 1% |
| Office supplies | 2% | 5% |
| Phone & internet | 2% | 5% |
| Travel | 2% | 1% |
| Everything else | 2% | 1% |
| Est. yearly rewards* | $900 | $684 |
| Points type | Transfers to airlines & hotels | Pools with Chase → transferable |
| 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 Cash® about $684, 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 Cash® has no annual fee, so its rewards are all profit. The two are close on value, but the Bilt Palladium edges ahead by about $21 a year, mostly because it earns more where you spend most, on everything else and advertising. 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. On the sign-up bonus, the Ink Business Cash® currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). 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, travel. Pick the Ink Business Cash® if your spending leans toward office supplies, phone & internet.