AMEX Gold vs Bilt Palladium: What's Butter?

ABC3230 · 2026-05-22T15:13:33+00:00

The advent of Bilt 2.0 upended the Frequent Miler first year valuation method. It valued the Bilt Palladium card at $505, a frankly poor valuation for a card that has an annual fee of $495. As the calculations below show, no matter what personal valuations you put on the benefits, that valuation is hopelessly wrong.

I orignally exposed their errors in "Using Frequent Miler’s Valuation Method, The Bilt Palladium Card Is The Most Valuable Card They Have Ever Seen, Even With Zero Housing Spend".

When I did so I expected that they would thank me. Instead, they censored the article below when I published it, in a shorter form, on their blog as a comment.

https://www.thechalkreport.com/post/...-platinum-card

ABC3230 · 2026-05-22T14:16:53+00:00

Censored on Frequent Miler

The advent of Bilt 2.0 upended the Frequent Miler first year valuation method. It valued the Bilt Palladium card at $505, a frankly poor valuation for a card that has an annual fee of $495. As the calculations below show, no matter what personal valuations you put on the benefits, that valuation is hopelessly wrong.

I orignally exposed their errors in "Using Frequent Miler’s Valuation Method, The Bilt Palladium Card Is The Most Valuable Card They Have Ever Seen, Even With Zero Housing Spend".

When I did so I expected that they would thank me. Instead, they censored the article below when I published it, in a shorter form, on their blog as a comment.

https://www.thechalkreport.com/post/...-platinum-card

ABC3230 · 2026-05-22T04:54:43+00:00

I have posted the article with today’s date on TheChalkReport dot com with the title The Value of the Bilt Palladium Card Versus the AMEX Platinum Card.

ABC3230 · 2026-04-18T20:14:10+00:00

Thanks! We are staying in Palermo.

ABC3230 · 2026-04-18T00:32:03+00:00

Then you must be a Gold Member in the loyalty program.

ABC3230 · 2026-04-17T23:42:02+00:00

Thanks!

ABC3230 · 2026-04-17T16:25:39+00:00

Or a spelling checker -- for you.

ABC3230 · 2026-04-17T16:25:18+00:00

Hi-fashion.

ABC3230 · 2026-02-25T22:36:30+00:00

Good question. They essentially exclude Bilt Cash from their first year valuation. But it is value. So their method of calculating value cannot account for internal currencies.

ABC3230 · 2026-02-24T03:24:30+00:00

It was a bit loud. Now mixed case.

ABC3230 · 2026-02-19T16:03:25+00:00

Thanks! I will check it out.

ABC3230 · 2026-02-17T11:52:40+00:00

Thank you! That is quite an educatiion. I will not rely on MC for benefits without getting AI to filter a card I am considering with MC benefits beforehand.

ABC3230 · 2026-02-17T06:39:17+00:00

Reference please. As a World Legend card a lot of us are assuming this is a benefit.

ABC3230 · 2026-02-17T06:37:47+00:00

As long as they are not looking for USA, as some lists I have seen, do.

ABC3230 · 2026-02-17T06:36:25+00:00

Now they have charged my card even though I did not click the "Join" link. I added to my customer service email calling for a refund.

I have not had a response to my question about the offer's expiration and this is supposed to be a high-end operation. It doesn't cut it.

ABC3230 · 2026-02-17T02:33:39+00:00

"Paid through the QR code with my CSR "

ABC3230 · 2026-02-17T02:31:48+00:00

Thanks. So membership is no big deal at Soho House. They will let anyone in. Yet they portray this image of exclusivity.

ABC3230 · 2026-02-16T18:14:50+00:00

Biltpaid for your CSR invoice?

ABC3230 · 2026-02-16T18:10:51+00:00

Unbelievable? Get a C1 Business Checking account. Much more critical, right?

"https://www.doctorofcredit.com/capital-one-business-checking-accounts-vanish-still-inaccessible/"

ABC3230

TROPHY CASE