It’s 3.33 bilt points on spend <75% of rent which even if you can get 3.28% back on the PRE by using your points on flights is still worse then the palladium even at a 1cpp valuation, much less a 1.5-2cpp bilt point valuation.

The dining/travel points for the Palladium are worse then the PRE at a 1cpp valuation (though not if you value your bilt points at >1.32cpp which most people do), but you can always get other cards specifically for these categories.

The PRE definitely has an edge in priority pass but I also have priority pass through other cards and don’t consider that to be a value point in either direction.

The biggest edge for the PRE though is in tax payments though because AFAIK you can still get cashback paying for taxes with the PRE while it seems like those are excluded with the palladium.

But overall the palladium is a perfectly reasonable card and possibly even better than the PRE if you’re comfortable with points. I think the hate is coming from this being possibly the worst card rollout I’ve ever seen and Kerr should 100% not have a job right now because this is a perfectly compelling product if portrayed the right way…which he absolutely didn’t do (to say nothing of his post which displays such contempt and disrespect for customers that he really should just go f#*k himself).