Went with Palladium. Annual fee is high but you get a $200 hotel credit every 6 months. Plus the lounge access is cool. I got it when Bilt 2.0 rolled out so 100k bonus miles. Overall I like it. My main issue is it’s pretty easy to accumulate lots of the “Bilt cash” and there’s not a lot of ways to use it IMO. Points are easy to use, if you willing to be patient they have some nice transfer bonuses on the first of every month with various partners.