Bilt Obsidian vs Bilt Palladium

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 Obsidian

Cardless

Bilt Palladium

Cardless

Economics

Annual fee

$95

$400/yr less

$495

Ongoing annual value

$362

$198/yr more

$164

Net value (value − fee)

$267

$598/yr more

−$331

First-year value estimate

−$20

$505

$525/yr more

Authorized user fee

$50 per authorized user

$95 per authorized user (includes Priority Pass for each AU)

Sign-up Bonus

Current offer

$200 Bilt Cash when you apply & are approved

50K Bilt points + Gold elite status after $4K non-housing spend in the first 3 months + $300 Bilt Cash

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%

—

All other purchases

1X1.6%

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)

Bilt Travel Hotel: $200 (Semi Annual Calendar Year)

Lounge access

—

Priority Pass Select (unlimited)

Elite status

—

Protections

The same on both cards (6)

Foreign transaction fee

None

Issuer

Cardless

Rewards currency

Bilt Rewards

Card type

Personal

Network

Mastercard

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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