Meghan Coyle

So this card has a hotel credit as well.

Going back to the Chase Sapphire Preferred, they've got that $50 hotel credit.

The Built Obsidian card has an $100 hotel credit.

This one also has a two-night minimum, which I find very annoying.

It's also not $100 up front.

It is $50 split into each half of the year.

Fair enough.

There's also the $495 annual fee built palladium card.

That one earns two bill points per dollar on all purchases outside of, of course, the mortgage and rent payments like we have been saying.

I think this is pretty similar to the Capital One Venture X card, which I am a fan of, as you know.

And our colleague Ben did write a very compelling article about the two.

We will link to that in the episode description.

We also got to talk about lounges.

You know I love lounges.

And the Capital One lounges are so far superior.

The built Palladium card does give you and two guests complimentary access to Priority Pass lounges.

I think we've said this a lot on the show, but these lounges are super hit or miss, usually super crowded.

Usually you're like, thank you for this Diet Coke and cube of cheese.

Whereas the Capital One lounges are like, we got caviar.

So I'm not super excited about the Priority Pass benefit on the Palladium card.