Bilt Blue vs Bilt Obsidian

Every figure below is from the same dataset Miles computes its recommendations from. Rows the two cards agree on are collapsed at the bottom.

Bilt Blue

Cardless

Bilt Obsidian

Cardless

Economics

Annual fee

$95/yr less

$95

Ongoing annual value

$115

$362

$247/yr more

Net value (value − fee)

$115

$267

$152/yr more

First-year value estimate

$25

$45/yr more

−$20

Authorized user fee

Free

$50 per authorized user

Sign-up Bonus

Current offer

$100 Bilt Cash when you apply & are approved

$200 Bilt Cash when you apply & are approved

Earning

Dining (if selected as annual bonus category)

—

3X4.7%

Grocery (if selected as annual bonus category, up to $25K per year, then 1X)

—

3X4.7%

Travel

—

2X3.1%

Percentages are the return on a dollar spent: the multiplier times what Miles values those points at. Categories only one card earns a bonus on are marked for that card; the other earns its base rate.

Benefits

Statement credits

—

Bilt Travel Hotel: $50 (Semi Annual Calendar Year)

Lounge access

—

Elite status

—

Protections

The same on both cards (7)

Foreign transaction fee

None

Issuer

Cardless

Rewards currency

Bilt Rewards

Card type

Personal

Network

Mastercard

All other purchases

1X1.6%

Rent and mortgage payments (requires Bilt Cash to unlock)

1X1.6%

Which one is right for you

This page shows the difference. It does not pick: the winner depends on what you spend and what you already hold, and adding these figures up without knowing that would be a guess dressed as a verdict. Ask Miles and it computes the answer against your own wallet.

Ask Miles which to get

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