Bilt Obsidian Card vs Chase Sapphire Preferred® Card

Bilt Obsidian CardBilt Obsidian Card

Bilt

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Chase Sapphire Preferred® CardChase Sapphire Preferred® Card

Chase

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Bilt Points
Chase Ultimate Rewards
Point Value
2.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 in Bilt Cash when you open the card
75,000 Chase Ultimate Rewards after $5,000 in 3 months

Effective return by category

CategoryBilt Obsidian CardChase Sapphire Preferred® Card
Card Travel Portals4.00%
2x
10.00%
5x
Dining & Restaurants6.00%
3x
6.00%
3x
Streaming2.00%
1x
6.00%
3x
Gas Stations2.00%
1x
6.00%
3x
EV Charging2.00%
1x
6.00%
3x
Groceries6.00%
3x · Capped Spending · $25,000 cap
2.00%
1x
Travel4.00%
2x
4.00%
2x
Airfare4.00%
2x
4.00%
2x
Hotels & Lodging4.00%
2x
4.00%
2x
Car Rentals4.00%
2x
4.00%
2x
Rideshare & Transit2.00%
1x
4.00%
2x
Rent2.00%
1x
0.00%
0x
Mortgage2.00%
1x
0.00%
0x
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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