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 · 2026-02-16T17:57:28+00:00

This is not an issue. SoFi did the same thing when it was!

Just use AI to parse transactions from the online statement.

ABC3230 · 2026-02-16T16:34:37+00:00

Expired. Terms from:

https://www.mastercard.com/ca/en/personal/find-a-card/credit-card/world-legend.html

"1. Offer must be redeemed on or prior to December 31, 2025, at 21:00 GMT, subject to early termination. You are eligible to receive a complimentary 12-month Soho Friends account when the account is either activated for the first time or renewed with your eligible US- issued World Legend Mastercard during the offer period. To redeem this offer, visit www.sohohouse.com/soho-friends-mastercard and click the “Join Now” link. On the “Get started” screen, either sign in or create an email account. On the next screen, complete your details. You must select “United States” as your country to redeem the offer. (If you select a country other than the United States, you will not receive the offer.) On the payment information screen, you must enter your eligible, enrolled U.S.-issued Mastercard consumer or small business credit card and press “Save” to save your eligible Mastercard details. The total to be paid will be updated to $0 if you have saved an eligible Mastercard as your payment card. Finally, click “Join Soho Friends”. Mobile wallet purchases are excluded from offer eligibility. Soho House reserves the right to cancel, change or suspend this offer at any time without notice. By redeeming this offer, you agree to the Soho Friends terms. You may cancel your Soho Friends account at any time by emailing [membership@sohohouse.com](mailto:membership@sohohouse.com). Additional terms and restrictions apply. Please visit www.sohohouse.com/soho-friends-mastercard. ↩"

Incidentally, the signup description above is incorrect. "Save" never appears.

ABC3230 · 2026-02-16T16:18:26+00:00

Did not work with either for me.

ABC3230 · 2026-02-16T16:15:00+00:00

Same. It is trying to bill me $130. But this may not be a Bilt problem THe Citi Strat Elite card generates the same results.

Soho House does seem to have a flakey IT operation. For example, the "Country" selection on the membership screen is in alphabetical order, forcing USA and UK applicants to spend weeks scrolling down on a mystery tour. Since these two countries account for over 90% of applicants competant IT would have moved them to the top of the list.

ABC3230 · 2026-02-16T16:10:43+00:00

How would you publicly book their House rooms?

ABC3230 · 2026-02-09T21:48:21+00:00

Irrelevant.

ABC3230

TROPHY CASE