Chase Sapphire Reserve vs. Bilt Palladium

Which earns more for the way you actually spend?

Last updated June 2026

Bilt Palladium Point Value: cents / pt

Sapphire Reserve Point Value: cents / pt

Bilt Palladium

•••• •••• •••• 4321

Estimated Net ROI

$0.00

Annual Points Value

Credits Value

Annual Fee

Organic Credit Checklist

Toggle credits you organically use +$0.00

Sapphire Reserve

•••• •••• •••• 1234

Estimated Net ROI

$0.00

Annual Points Value

Credits Value

Annual Fee

Organic Credit Checklist

Toggle credits you organically use +$0.00

Simulate Your Earning Potential

Enter your estimated monthly spending in each category.

Verify with Real Spend

Real spending is irregular and unpredictable. Drag and drop a CSV or JSON file of last year's transactions below. We will calculate which card wins for you completely privately inside your browser.

1 month of transactions required for the analysis to run. At least 6 months of transactions recommended for accuracy.

Select or drop a credit card statement CSV or JSON file

Works with standard transaction CSVs or JSON files exported from the Tracker.

Rent transactions are excluded from parsing — your monthly rent entry above is applied to Bilt automatically.

Estimate Only: This sandboxed calculator uses automated keyword matching. To set custom merchant mapping rules, reclassify individual transactions, import multi-year statement logs, and track your whole credit card portfolio, use the Full Credit Card Value Tracker dashboard.

This comparison reflects certain assumptions applied to the data you provided. This is not a financial recommendation. The “winner” can change with different spending, redemption values, or transfer rates.

ROI Metric (Actual Transactions)	Bilt Palladium	Sapphire Reserve
Total Classified Spend	$0.00	$0.00
Points Earned	0 pts	0 pts
Points Cash Valuation	$0.00	$0.00
Statement Credits Used (Auto-Detected)	$0.00	$0.00
Annual Fee Assessed	$0.00	$0.00
Actual Net ROI Value	$0.00	$0.00

Tie Breakers

The math above only covers earning. When the net values are close, consider the benefits each card offers.

Travel & Purchase Insurance Clear winnerSapphire Reserve

Protection	Bilt Palladium	Sapphire Reserve
Rental car CDW	Secondary — after personal auto	Primary — pays first, to $75k*
Trip cancellation	$2,000 / trip; $5,000 / yr	$10,000 / trip
Trip delay (6+ hrs)	$300 / trip; 1 claim / yr	$500 / ticket
New purchases	$1,000 / item; 90 days	$10,000 / item; 120 days

* Not primary for NY residents with their own auto insurance, or abroad where you can't decline the agency's collision waiver.

Lounge Access Broader networkSapphire Reserve

The Reserve runs the deeper program — its own Sapphire Lounges plus a Priority Pass membership that still includes the restaurant credit. The Palladium carries a Priority Pass membership too, but no proprietary lounge network of its own.

Hotel & Rental-Car Status Depends

Status	Bilt Palladium	Sapphire Reserve
Hotel status	Earned through Bilt's travel program	IHG One Rewards Platinum Elite
Rental-car status	Avis Preferred	National, Avis