Is the Bilt Obsidian Card worth the higher annual fee?

The Bilt Obsidian Card costs $95/yr vs $0/yr for the Barclays View Mastercard. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Barclays View Mastercard 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.

Should I get the Barclays View Mastercard or the Bilt Obsidian Card?

Choose the Barclays View Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Bilt Obsidian Card worth the higher annual fee?

The Bilt Obsidian Card costs $95/yr vs $0/yr for the Barclays View Mastercard. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Barclays View Mastercard 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.

Should I get the Barclays View Mastercard or the Bilt Obsidian Card?

Choose the Barclays View Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Bilt Obsidian Card worth the higher annual fee?

The Bilt Obsidian Card costs $95/yr vs $0/yr for the Barclays View Mastercard. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Barclays View Mastercard 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.

Should I get the Barclays View Mastercard or the Bilt Obsidian Card?

Choose the Barclays View Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Barclays View Mastercard vs Bilt Obsidian Card

The Barclays View Mastercard ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Barclays View Mastercard

Barclays

Bilt Obsidian Card

Cardless

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

200 cash

Earn Rates

Category	Barclays View Mastercard	Bilt Obsidian Card
Dining	3X	3X
Grocery Stores

Category-by-Category Winner

The Bilt Obsidian Card wins in 4 of 6 categories. The Barclays View Mastercard leads in 2.

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Streaming

Barclays View Mastercard earns 2X vs 1X

Telecom

Barclays View Mastercard earns 2X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Is the Fee Difference Worth It?

The Bilt Obsidian Card costs $95/yr — that's $95 more than the Barclays View Mastercard (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: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Barclays View Mastercard if you:

Want strong rewards without a large annual fee commitment

The Bottom Line

The Barclays View Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Barclays View Mastercard if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.

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 Barclays View Mastercard. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Barclays View Mastercard 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.
Should I get the Barclays View Mastercard or the Bilt Obsidian Card?: Choose the Barclays View Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Barclays View Mastercard — Full Review All Barclays Cards

Bilt Obsidian Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Barclays cards · Cardless cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

Barclays View Mastercard vs Bilt Obsidian Card

The Barclays View Mastercard ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Barclays View Mastercard

Barclays

Bilt Obsidian Card

Cardless

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

200 cash

Earn Rates

Category	Barclays View Mastercard	Bilt Obsidian Card
Dining	3X	3X
Grocery Stores

Category-by-Category Winner

The Bilt Obsidian Card wins in 4 of 6 categories. The Barclays View Mastercard leads in 2.

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Streaming

Barclays View Mastercard earns 2X vs 1X

Telecom

Barclays View Mastercard earns 2X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Barclays View Mastercard if you:

Want strong rewards without a large annual fee commitment

The Bottom Line

The Barclays View Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Barclays View Mastercard if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.

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 Barclays View Mastercard. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Barclays View Mastercard 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.
Should I get the Barclays View Mastercard or the Bilt Obsidian Card?: Choose the Barclays View Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Barclays View Mastercard — Full Review All Barclays Cards

Bilt Obsidian Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Barclays cards · Cardless cards

Barclays View Mastercard vs Bilt Obsidian Card

The Barclays View Mastercard ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Barclays View Mastercard

Barclays

Bilt Obsidian Card

Cardless

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

200 cash

Earn Rates

Category	Barclays View Mastercard	Bilt Obsidian Card
Dining	3X	3X
Grocery Stores

Category-by-Category Winner

The Bilt Obsidian Card wins in 4 of 6 categories. The Barclays View Mastercard leads in 2.

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Streaming

Barclays View Mastercard earns 2X vs 1X

Telecom

Barclays View Mastercard earns 2X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Barclays View Mastercard if you:

Want strong rewards without a large annual fee commitment

The Bottom Line

The Barclays View Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Barclays View Mastercard if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.

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 Barclays View Mastercard. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Barclays View Mastercard 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.
Should I get the Barclays View Mastercard or the Bilt Obsidian Card?: Choose the Barclays View Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Barclays View Mastercard — Full Review All Barclays Cards

Bilt Obsidian Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Barclays cards · Cardless cards

Pros & Cons

Pros

+No annual fee
+Low variable APR (15.24%-24.24%) compared to most cards
+$0 balance transfer fee - extremely rare in the industry
+No late payment fees
+No foreign transaction fees

+3x points on your choice of dining or grocery (up to $25K/year on grocery)
+2x points on travel
+Earn up to 1x 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

−Modest earning rates compared to premium rewards cards
−No welcome bonus
−No travel benefits or purchase protections
−Requires good to excellent credit
−Standard Mastercard network tier (no World Elite benefits)

−$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

Pros & Cons

Pros

+No annual fee
+Low variable APR (15.24%-24.24%) compared to most cards
+$0 balance transfer fee - extremely rare in the industry
+No late payment fees
+No foreign transaction fees

+3x points on your choice of dining or grocery (up to $25K/year on grocery)
+2x points on travel
+Earn up to 1x 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

−Modest earning rates compared to premium rewards cards
−No welcome bonus
−No travel benefits or purchase protections
−Requires good to excellent credit
−Standard Mastercard network tier (no World Elite benefits)

−$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

Pros & Cons

Pros

+No annual fee
+Low variable APR (15.24%-24.24%) compared to most cards
+$0 balance transfer fee - extremely rare in the industry
+No late payment fees
+No foreign transaction fees

+3x points on your choice of dining or grocery (up to $25K/year on grocery)
+2x points on travel
+Earn up to 1x 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

−Modest earning rates compared to premium rewards cards
−No welcome bonus
−No travel benefits or purchase protections
−Requires good to excellent credit
−Standard Mastercard network tier (no World Elite benefits)

−$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

Barclays View Mastercard vs Bilt Obsidian Card

Barclays View Mastercard

Bilt Obsidian Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

Which Card Is Right for You?

The Bottom Line

Frequently Asked Questions

Explore More

Barclays View Mastercard vs Bilt Obsidian Card

Barclays View Mastercard

Bilt Obsidian Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

Which Card Is Right for You?

The Bottom Line

Frequently Asked Questions

Explore More

Barclays View Mastercard vs Bilt Obsidian Card

Barclays View Mastercard

Bilt Obsidian Card

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

Which Card Is Right for You?

The Bottom Line

Frequently Asked Questions

Explore More

Benefits & Features

Pros & Cons

Benefits & Features

Pros & Cons

Benefits & Features

Pros & Cons