Is the Bilt Obsidian Card worth the higher annual fee?

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

Which card earns more rewards, the Bilt Blue 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.

Should I get the Bilt Blue Card or the Bilt Obsidian Card?

Choose the Bilt Blue Card 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 Bilt Blue Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue 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.

Should I get the Bilt Blue Card or the Bilt Obsidian Card?

Choose the Bilt Blue Card 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 Bilt Blue Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Blue 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.

Should I get the Bilt Blue Card or the Bilt Obsidian Card?

Choose the Bilt Blue Card 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.

Bilt Blue Card vs Bilt Obsidian Card

The Bilt Blue Card ($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.

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

200 cash

Earn Rates

Category	Bilt Blue Card	Bilt Obsidian Card
Dining	3X	3X
Grocery Stores	1X	3X
Lyft	3X	3X
Travel	1X	2X
Walgreens	1X	2X
Mortgage	1.25X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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)

+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

−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

Category-by-Category Winner

The Bilt Obsidian Card wins in 3 of 5 categories. The Bilt Blue Card leads in 2.

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Grocery Stores

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 Bilt Blue 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: 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 Bilt Blue Card if you:

+Want strong rewards without a large annual fee commitment

Get the Bilt Obsidian Card if you:

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Bilt Blue Card 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 Bilt Blue Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue 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.
Should I get the Bilt Blue Card or the Bilt Obsidian Card?: Choose the Bilt Blue Card 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.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Bilt Blue Bilt Blue vs Capital One Quicksilver

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Bilt Obsidian Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: 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.

Bilt Blue Card vs Bilt Obsidian Card

The Bilt Blue Card ($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.

Bilt Blue Card

Cardless

Bilt Obsidian Card

Cardless

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

200 cash

Earn Rates

Category	Bilt Blue Card	Bilt Obsidian Card
Dining	3X	3X
Grocery Stores	1X	3X
Lyft	3X	3X
Travel	1X	2X
Walgreens	1X	2X
Mortgage	1.25X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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)

+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

−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

Category-by-Category Winner

The Bilt Obsidian Card wins in 3 of 5 categories. The Bilt Blue Card leads in 2.

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Grocery Stores

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 Bilt Blue Card if you:

+Want strong rewards without a large annual fee commitment

Get the Bilt Obsidian Card if you:

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Bilt Blue Card 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 Bilt Blue Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue 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.
Should I get the Bilt Blue Card or the Bilt Obsidian Card?: Choose the Bilt Blue Card 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.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Bilt Blue Bilt Blue vs Capital One Quicksilver

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Bilt Obsidian Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards

Bilt Blue Card vs Bilt Obsidian Card

The Bilt Blue Card ($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.

Bilt Blue Card

Cardless

Bilt Obsidian Card

Cardless

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

—

200 cash

Earn Rates

Category	Bilt Blue Card	Bilt Obsidian Card
Dining	3X	3X
Grocery Stores	1X	3X
Lyft	3X	3X
Travel	1X	2X
Walgreens	1X	2X
Mortgage	1.25X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

+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)

+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

−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

Category-by-Category Winner

The Bilt Obsidian Card wins in 3 of 5 categories. The Bilt Blue Card leads in 2.

Rent

Bilt Blue Card earns 1.25X vs 1X

Mortgage

Bilt Blue Card earns 1.25X vs 1X

Grocery Stores

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 Bilt Blue Card if you:

+Want strong rewards without a large annual fee commitment

Get the Bilt Obsidian Card if you:

The Bottom Line

The Bilt Blue Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Bilt Blue Card 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 Bilt Blue Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Blue 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.
Should I get the Bilt Blue Card or the Bilt Obsidian Card?: Choose the Bilt Blue Card 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.

Related Comparisons

Amex Blue Cash Everyday vs Bilt Blue Bank Of America Customized Cash vs Bilt Blue Bank Of America Unlimited Cash vs Bilt Blue Bilt Blue vs Capital One Quicksilver

Explore More

Bilt Blue Card — Full Review All Cardless Cards

Bilt Obsidian Card — Full Review All Cardless Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards