Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
• +$200/year Uber credit plus complimentary Uber One membership ($168 value)
• +$400/year Resy dining credit at select restaurants
• +Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
• +5X points on flights booked direct or via Amex Travel

• +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

• −$895 annual fee requires significant credit utilization to break even
• −Many credits require specific merchants (Saks, Equinox, SoulCycle)
• −Only 1X points on non-travel purchases limits everyday earning
• −Secondary car rental coverage unless paying $24.95/rental for primary
• −$195 authorized user fee after first 3 free cards

• −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

• +Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
• +$200/year Uber credit plus complimentary Uber One membership ($168 value)
• +$400/year Resy dining credit at select restaurants
• +Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
• +5X points on flights booked direct or via Amex Travel

• +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

• −$895 annual fee requires significant credit utilization to break even
• −Many credits require specific merchants (Saks, Equinox, SoulCycle)
• −Only 1X points on non-travel purchases limits everyday earning
• −Secondary car rental coverage unless paying $24.95/rental for primary
• −$195 authorized user fee after first 3 free cards

• −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

• +Access to 9 lounge networks including exclusive Centurion Lounges with 2 guests free
• +$200/year Uber credit plus complimentary Uber One membership ($168 value)
• +$400/year Resy dining credit at select restaurants
• +Automatic Marriott Gold and Hilton Gold status with room upgrades and breakfast
• +5X points on flights booked direct or via Amex Travel

• +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

• −$895 annual fee requires significant credit utilization to break even
• −Many credits require specific merchants (Saks, Equinox, SoulCycle)
• −Only 1X points on non-travel purchases limits everyday earning
• −Secondary car rental coverage unless paying $24.95/rental for primary
• −$195 authorized user fee after first 3 free cards

• −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