Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +No annual fee
• +Earn up to 1.25X points on rent and mortgage with no transaction fees
• +4% Bilt Cash on all non-housing spend (stackable with 1X points)
• +$100 Bilt Cash welcome bonus with no spending requirement
• +Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Only 1X points on non-housing purchases (below average for flat-rate cards)
• −Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
• −Most Bilt Cash expires at year-end (only $100 rolls over)
• −No bonus categories like dining or travel (those are Obsidian features)
• −Fewer card-specific protections than Obsidian or Palladium

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +No annual fee
• +Earn up to 1.25X points on rent and mortgage with no transaction fees
• +4% Bilt Cash on all non-housing spend (stackable with 1X points)
• +$100 Bilt Cash welcome bonus with no spending requirement
• +Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Only 1X points on non-housing purchases (below average for flat-rate cards)
• −Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
• −Most Bilt Cash expires at year-end (only $100 rolls over)
• −No bonus categories like dining or travel (those are Obsidian features)
• −Fewer card-specific protections than Obsidian or Palladium

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +4X points on dining worldwide - industry leading
• +4X at U.S. supermarkets up to $25k/year
• +$424 in annual credits offset $325 fee
• +No foreign transaction fees
• +Transfer to 20+ airline and hotel partners

• +No annual fee
• +Earn up to 1.25X points on rent and mortgage with no transaction fees
• +4% Bilt Cash on all non-housing spend (stackable with 1X points)
• +$100 Bilt Cash welcome bonus with no spending requirement
• +Transferable points to 23 airline and hotel partners (valued at 2.2 cents each by TPG)

Cons

• −$325 annual fee with no waived first year
• −4X grocery excludes Costco, Walmart, Target
• −No lounge access included
• −Limited non-food spending categories
• −Amex acceptance less universal than Visa/MC

• −Only 1X points on non-housing purchases (below average for flat-rate cards)
• −Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
• −Most Bilt Cash expires at year-end (only $100 rolls over)
• −No bonus categories like dining or travel (those are Obsidian features)
• −Fewer card-specific protections than Obsidian or Palladium