Bilt Blue Card vs Bilt Obsidian Card

Bilt Blue CardBilt Blue Card

Bilt

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Bilt Obsidian CardBilt Obsidian Card

Bilt

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Annual Fee
No Annual Fee
$95
Card Type
Personal
Personal
Rewards Currency
Bilt Points
Bilt Points
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$100 in Bilt Cash when you open the card
$200 in Bilt Cash when you open the card

Effective return by category

CategoryBilt Blue CardBilt Obsidian Card
Dining & Restaurants2.00%
1x
6.00%
3x
Groceries2.00%
1x
6.00%
3x · Capped Spending · $25,000 cap
Travel2.00%
1x
4.00%
2x
Card Travel Portals2.00%
1x
4.00%
2x
Airfare2.00%
1x
4.00%
2x
Hotels & Lodging2.00%
1x
4.00%
2x
Car Rentals2.00%
1x
4.00%
2x
Rent2.00%
1x
2.00%
1x
Mortgage2.00%
1x
2.00%
1x
Everything else2.00%
1x
2.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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