Bilt Obsidian Card vs Bilt Palladium Card

Bilt Obsidian CardBilt Obsidian Card

Bilt

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Bilt Palladium CardBilt Palladium Card

Bilt

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Annual Fee
$95
$495
Card Type
Personal
Personal
Rewards Currency
Bilt Points
Bilt Points
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
2x
Welcome Bonus
$200 in Bilt Cash when you open the card
50,000 points + Bilt Gold status after $4,000 in purchases (not rent or mortgage) in 90 days, plus $300 in Bilt Cash

Effective return by category

CategoryBilt Obsidian CardBilt Palladium Card
Dining & Restaurants6.00%
3x
4.00%
2x
Groceries6.00%
3x · Capped Spending · $25,000 cap
4.00%
2x
Travel4.00%
2x
4.00%
2x
Card Travel Portals4.00%
2x
4.00%
2x
Airfare4.00%
2x
4.00%
2x
Hotels & Lodging4.00%
2x
4.00%
2x
Car Rentals4.00%
2x
4.00%
2x
Rent2.00%
1x
2.00%
1x
Mortgage2.00%
1x
2.00%
1x
Everything else2.00%
1x
4.00%
2x

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?

Ask the Advisor