Atmos Rewards Summit Visa Infinite Credit Card vs Bilt Obsidian Card
Annual fees: Atmos Rewards Summit Visa Infinite Credit Card $395/yr, Bilt Obsidian Card $95/yr. Strongest bonus categories: Atmos Rewards Summit Visa Infinite Credit Card on dining, Bilt Obsidian Card on rent and dining.
Card data as of October 12, 2026.
Atmos Rewards Summit Visa Infinite Credit CardBank of America · $395/yr
Bilt Obsidian CardCardless · $95/yr
Overview
- Annual fee
- Atmos Rewards Summit Visa Infinite Credit Card$395Bilt Obsidian Card$95Lowest
- Welcome offerCurrent public offer
- Atmos Rewards Summit Visa Infinite Credit Card70,000 pointsBilt Obsidian Card$200 in rewards
- Rewards
- Atmos Rewards Summit Visa Infinite Credit CardAlaska Airlines Atmos RewardsBilt Obsidian CardBilt Points
- Foreign transaction fee
- Atmos Rewards Summit Visa Infinite Credit CardNoneBilt Obsidian CardNone
- Network
- Atmos Rewards Summit Visa Infinite Credit CardVisa InfiniteBilt Obsidian CardMastercard World Elite
Earn ratesPer $1 spent
- Dining
- Atmos Rewards Summit Visa Infinite Credit Card3xBilt Obsidian Card3x
- Foreign Transactions
- Atmos Rewards Summit Visa Infinite Credit Card3xHighestBilt Obsidian Card1x
- Grocery Stores
- Atmos Rewards Summit Visa Infinite Credit Card1xBilt Obsidian Card3xHighest
- Travel
- Atmos Rewards Summit Visa Infinite Credit Card1xBilt Obsidian Card2xHighest
- Mortgage
- Atmos Rewards Summit Visa Infinite Credit Card1xBilt Obsidian Card1.25xHighest
- Rent
- Atmos Rewards Summit Visa Infinite Credit Card1xBilt Obsidian Card1.25xHighest
- Everything else
- Atmos Rewards Summit Visa Infinite Credit Card1xBilt Obsidian Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Atmos Rewards Summit Visa Infinite Credit Card—Bilt Obsidian Card
- $100 hotel credit
- Other credits
- Atmos Rewards Summit Visa Infinite Credit Card
- $120 airport security · $120 every 4 years
Bilt Obsidian Card—
Perks & access— means none on record
- Lounges
- Atmos Rewards Summit Visa Infinite Credit Card
- 8 Alaska Lounge passes worth $520 annually
Bilt Obsidian Card— - Hotel status & programs
- Atmos Rewards Summit Visa Infinite Credit Card
- 900+ luxury hotels with room upgrades
Bilt Obsidian Card— - Airline perks
- Atmos Rewards Summit Visa Infinite Credit Card
- 25,000-point Global Companion Award every anniversary
- 8 free Wi-Fi passes on Alaska flights
- Free checked bag
- Preferred boarding
Bilt Obsidian Card— - Other perks
- Atmos Rewards Summit Visa Infinite Credit Card
- 24/7 personal concierge service
- 10,000 status points each year
- 20% back onboard
- No same-day changes fees
- Partner award booking fee waiver
- Share your points for free
Show 2 more
- Transfer points to partner loyalty programs
- 1 status point per $2 spent on purchases
Bilt Obsidian Card- 10% intro APR for 12 months
- 0% foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Atmos Rewards Summit Visa Infinite Credit Card
- Travel delay protection · up to $50
Bilt Obsidian Card- Trip cancellation up to $2,000/trip
- Trip Delay
- Baggage
- Atmos Rewards Summit Visa Infinite Credit Card—Bilt Obsidian Card
- Luggage insurance up to $1,500
- Rental car
- Atmos Rewards Summit Visa Infinite Credit Card—Bilt Obsidian Card
- MasterRental Coverage
- Purchase & returns
- Atmos Rewards Summit Visa Infinite Credit Card—Bilt Obsidian Card
- Purchase Assurance
- Extended warranty
- Atmos Rewards Summit Visa Infinite Credit Card—Bilt Obsidian Card
- Extended warranty up to $10,000/claim
- Cell phone
- Atmos Rewards Summit Visa Infinite Credit Card—Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Pros & cons
- Pros
- Atmos Rewards Summit Visa Infinite Credit Card
- 25,000-point Global Companion Award every account anniversary (100,000-point award at $60,000 annual spend)
- 8 Alaska Lounge passes a year (2 per quarter)
- 3x points on dining, foreign transactions, and Alaska/Hawaiian purchases
- No foreign transaction fees for international travel
- Free checked bag and preferred boarding for you and up to 6 guests
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
- Atmos Rewards Summit Visa Infinite Credit Card
- High $395 annual fee not waived first year
- Alaska Lounge passes are valid only at Alaska Lounges and expire at the end of each quarter
- Limited transfer partners compared to Chase, Amex, or Citi programs
- Only 1x on non-bonus spending
- Requires excellent or good credit
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 4 categories. The Atmos Rewards Summit Visa Infinite Credit Card leads in 1. 1 more category depend on booking channel or caps.
Foreign Transactions
Atmos Rewards Summit Visa Infinite Credit Card earns 3X vs 1X
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
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; Atmos Rewards Summit Visa Infinite Credit 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.
The better card depends on how much you spend.
| Scenario | Atmos Rewards Summit Visa Infinite Credit Card | Bilt Obsidian Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $172 Credits (our usable estimate): $30 − Annual fee ($395) Ongoing: -$193 Year one: $577 | Rewards: $264 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $189 Year one: $389 | Bilt Obsidian Card | Atmos Rewards Summit Visa Infinite Credit Card |
| Heavy spender: $4,000/month | Rewards: $686 Credits (our usable estimate): $30 − Annual fee ($395) Ongoing: $321 Year one: $1,091 | 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 Atmos Rewards Summit Visa Infinite Credit Card costs $395/yr — that's $300 more than the Bilt Obsidian Card ($95/yr). To justify that gap, you need to extract at least $300 in annual value from the card's higher earn rates and benefits.
The Atmos Rewards Summit Visa Infinite Credit Card includes lounge access, Global Entry/TSA PreCheck credit, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $300 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $300 fee gap means the Atmos Rewards Summit Visa Infinite Credit Card needs roughly $300 more in annual rewards (or credits you will use) to break even on dining and foreign transactions and everyday spend.
What You Give Up
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Obsidian Card means losing:
- -Airport lounge access
- -Free checked bags
- -Global Entry credit
Which Card Is Right for You?
Get the Atmos Rewards Summit Visa Infinite Credit Card if you:
- +Fly frequently and value airport lounge access
Get the Bilt Obsidian Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
The better card depends on how much you spend.
Published annual fees: Atmos Rewards Summit Visa Infinite Credit Card $395/yr, Bilt Obsidian Card $95/yr — a $300 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Atmos Rewards Summit Visa Infinite Credit Card worth the higher annual fee?
- The Atmos Rewards Summit Visa Infinite Credit Card costs $395/yr vs $95/yr for the Bilt Obsidian Card. Compare the year-one vs ongoing value table on this page — the $300 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Atmos Rewards Summit Visa Infinite Credit Card also lists lounge access).
- Which card earns more rewards, the Atmos Rewards Summit Visa Infinite Credit Card or Bilt Obsidian Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- What benefits does the Atmos Rewards Summit Visa Infinite Credit Card have that the Bilt Obsidian Card doesn't?
- The Atmos Rewards Summit Visa Infinite Credit Card offers lounge access. The Bilt Obsidian Card offers cell phone protection.
- Should I get the Atmos Rewards Summit Visa Infinite Credit Card or the Bilt Obsidian Card?
- Use the spend scenarios on this page: the Bilt Obsidian Card has a lower $95/yr fee; the Atmos Rewards Summit Visa Infinite Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $395/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.