Deciding between the Sapphire Reserve and Bilt Palladium? The Reserve charges $795 and pays its elevated rates only on specific travel and dining, leaning on a deep stack of credits to justify the fee. The Palladium charges $495 and skips bonus categories entirely — a flat 2x on everything, plus rent earning and a $400 hotel credit. Compare both with our interactive engine, or upload a CSV of your actual transactions below. The analysis runs privately inside your browser.
Last updated June 2026
cents / pt
cents / pt
Bilt Palladium
•••• •••• •••• 4321
Estimated Net ROI
$0.00
Annual Points Value
$0
Credits Value
$0
Annual Fee
$0
Organic Credit Checklist
|
Toggle credits you organically use+$0.00
Sapphire Reserve
•••• •••• •••• 1234
Estimated Net ROI
$0.00
Annual Points Value
$0
Credits Value
$0
Annual Fee
$0
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.
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.
Bilt Palladium Wins!
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.
* Not primary for NY residents with their own auto insurance, or abroad where you can't decline the agency's collision waiver.
Lounge AccessBroader 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.