Amazon Prime Store Card vs Bilt Obsidian Card
Annual fees: Amazon Prime Store Card $0/yr, Bilt Obsidian Card $95/yr. Strongest bonus categories: Amazon Prime Store Card on everyday spending, Bilt Obsidian Card on rent and dining.
Card data as of October 12, 2026.
Amazon Prime Store CardSynchrony · No annual fee
Bilt Obsidian CardCardless · $95/yr
Overview
- Annual fee
- Amazon Prime Store Card$0LowestBilt Obsidian Card$95
- Welcome offerCurrent public offer
- Amazon Prime Store Card—Bilt Obsidian Card$200 in rewards
- Rewards
- Amazon Prime Store CardCash backBilt Obsidian CardBilt Points
- Foreign transaction fee
- Amazon Prime Store CardNoneBilt Obsidian CardNone
- Network
- Amazon Prime Store CardStore cardBilt Obsidian CardMastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Amazon Prime Store Card—Rate not publishedBilt Obsidian Card3x
- Grocery Stores
- Amazon Prime Store Card—Rate not publishedBilt Obsidian Card3x
- Travel
- Amazon Prime Store Card—Rate not publishedBilt Obsidian Card2x
- Mortgage
- Amazon Prime Store Card—Rate not publishedBilt Obsidian Card1.25x
- Rent
- Amazon Prime Store Card—Rate not publishedBilt Obsidian Card1.25x
- Everything else
- Amazon Prime Store Card—Rate not publishedBilt Obsidian Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Amazon Prime Store Card—Bilt Obsidian Card
- $100 hotel credit
Perks & access— means none on record
- Other perks
- Amazon Prime Store Card
- Accepted Across Amazon Ecosystem
- Auto-Considered for Secured Card
Bilt Obsidian Card- 10% intro APR for 12 months
- 0% foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Amazon Prime Store Card—Bilt Obsidian Card
- Trip cancellation up to $2,000/trip
- Trip Delay
- Baggage
- Amazon Prime Store Card—Bilt Obsidian Card
- Luggage insurance up to $1,500
- Rental car
- Amazon Prime Store Card—Bilt Obsidian Card
- MasterRental Coverage
- Purchase & returns
- Amazon Prime Store Card—Bilt Obsidian Card
- Purchase Assurance
- Extended warranty
- Amazon Prime Store Card—Bilt Obsidian Card
- Extended warranty up to $10,000/claim
- Cell phone
- Amazon Prime Store Card—Bilt Obsidian Card
- Cellular Wireless Telephone Protection
- Other protections
- Amazon Prime Store Card
- 0% APR Financing for 6-24 Months
- Zero Fraud Liability Protection
- $0 Annual Fee
Bilt Obsidian Card—
Pros & cons
- Pros
- Amazon Prime Store Card—Bilt Obsidian Card
- 3x points on your choice of dining or grocery (up to $25K/year on grocery)
- 2x points on travel
- Earn up to 1.25X points on rent and mortgage with no transaction fees
- $200 Bilt Cash welcome bonus upon approval (no spending required)
- $100 annual Bilt Travel hotel credit ($50 semiannually)
- Cons
- Amazon Prime Store Card—Bilt Obsidian Card
- $95 annual fee plus $50 per authorized user
- Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)
- Bilt Cash expires at year-end with only $100 rollover
- Grocery bonus category capped at $25K/year spending
- Hotel credit requires 2-night minimum via Bilt Travel portal
Category-by-Category Winner
The Bilt Obsidian Card wins in 3 of 3 categories. The Amazon Prime Store Card leads in 0. 2 more categories depend on booking channel or caps.
Rent
Bilt Obsidian Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee; no annual cap on housing payments
Mortgage
Bilt Obsidian Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Dining
Depends: 3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
Bilt Obsidian Card earns 3X when conditions are met; Amazon Prime Store Card earns 1X (1X without restrictions)
Travel
Bilt Obsidian Card earns 2X vs 1X
Grocery Stores
Depends: up to $25,000/yr; 3X applies only if grocery replaces the default dining as the elected 3X category (switch within 30 days of opening or each January); grocery 3X is limited to $25,000 a year.
Bilt Obsidian Card earns 3X when conditions are met; Amazon Prime Store Card earns 1X (1X without restrictions)
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Both scenarios favor the Bilt Obsidian Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Amazon Prime Store Card | Bilt Obsidian Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $120 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $120 Year one: $120 | Rewards: $264 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $189 Year one: $389 | Bilt Obsidian Card | Bilt Obsidian Card |
| Heavy spender: $4,000/month | Rewards: $480 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $480 Year one: $480 | Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181 | Bilt Obsidian Card | Bilt Obsidian Card |
Is the Fee Difference Worth It?
The Bilt Obsidian Card costs $95/yr — that's $95 more than the Amazon Prime Store Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Bilt Obsidian Card needs roughly $95 more in annual rewards (or credits you will use) to break even on dining and grocery stores and everyday spend.
Which Card Is Right for You?
Get the Bilt Obsidian Card if you:
- +Spend $300+/month on restaurants and dining out
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the Bilt Obsidian Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Amazon Prime Store Card $0/yr, Bilt Obsidian Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Bilt Obsidian Card worth the higher annual fee?
- The Bilt Obsidian Card costs $95/yr vs $0/yr for the Amazon Prime Store Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Amazon Prime Store Card or Bilt Obsidian Card?
- The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
- What benefits does the Amazon Prime Store Card have that the Bilt Obsidian Card doesn't?
- The Amazon Prime Store Card focuses on earn rates, while the Bilt Obsidian Card offers cell phone protection.
- Should I get the Amazon Prime Store Card or the Bilt Obsidian Card?
- Use the spend scenarios on this page: the Amazon Prime Store Card has a lower $0/yr fee; the Bilt Obsidian Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.