Bilt Obsidian Card vs Citi Custom Cash® Card

Bilt Obsidian CardBilt Obsidian Card

Bilt

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Citi Custom Cash® CardCiti Custom Cash® Card

Citi

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Annual Fee
$95
No Annual Fee
Card Type
Personal
Personal
Rewards Currency
Bilt Points
Cash Back
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 in Bilt Cash when you open the card
$200 after $1,500 in 180 days

Effective return by category

CategoryBilt Obsidian CardCiti Custom Cash® Card
Dining & Restaurants6.00%
3x
5.00%
5x · $500 cap
Groceries6.00%
3x · Capped Spending · $25,000 cap
5.00%
5x · $500 cap
Gas Stations2.00%
1x
5.00%
5x · $500 cap
Home Improvement2.00%
1x
5.00%
5x · $500 cap
Gym & Fitness2.00%
1x
5.00%
5x · $500 cap
Drugstores & Pharmacies2.00%
1x
5.00%
5x · $500 cap
Streaming2.00%
1x
5.00%
5x · $500 cap
Rideshare & Transit2.00%
1x
5.00%
5x · $500 cap
Entertainment2.00%
1x
5.00%
5x · $500 cap
Travel4.00%
2x
5.00%
5x · $500 cap
Card Travel Portals4.00%
2x
1.00%
1x
Airfare4.00%
2x
1.00%
1x
Hotels & Lodging4.00%
2x
1.00%
1x
Car Rentals4.00%
2x
1.00%
1x
Rent2.00%
1x
0.00%
0x
Mortgage2.00%
1x
0.00%
0x
Everything else2.00%
1x
1.00%
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?

Ask the Advisor