Bilt Palladium vs JetBlue Card
Side-by-side comparison
| Bilt Palladium | JetBlue Card | |
|---|---|---|
| Annual fee | $495 | No annual fee |
| Welcome offer | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days | 10,000 bonus points after $1,000 in 90 days |
| Dining | 2x | 2x |
| Groceries | 2x | 2x |
| Gas | 2x | 1x |
| Travel | 2x | 1x |
| Streaming | 2x | 1x |
| Everything else | 2x | 1x |
| Est. yearly rewards* | $583 | $382 |
| Points type | Transfers to airlines & hotels | Locked to JetBlue TrueBlue |
| 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 JetBlue Card about $382, 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 JetBlue Card has no annual fee, so its rewards are all profit. The two are close on value, but the Bilt Palladium edges ahead by about $7 a year, mostly because it earns more where you spend most, on everything else and gas. The bigger difference is the ceiling: the Bilt Palladium earns points you can move to travel partners for outsized value, while the JetBlue Card stays locked to a single airline or hotel program. Favor the Bilt Palladium if you will use travel transfers, the JetBlue 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 gas, travel, streaming.