Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $95/yr for the Bilt Obsidian Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Obsidian Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Obsidian Card have that the Bilt Palladium Card doesn't?

The Bilt Obsidian Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.

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

Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $95/yr for the Bilt Obsidian Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Obsidian Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Obsidian Card have that the Bilt Palladium Card doesn't?

The Bilt Obsidian Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.

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

Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Is the Bilt Palladium Card worth the higher annual fee?

The Bilt Palladium Card costs $495/yr vs $95/yr for the Bilt Obsidian Card. The higher fee includes lounge access that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Obsidian Card or Bilt Palladium Card?

The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.

What benefits does the Bilt Obsidian Card have that the Bilt Palladium Card doesn't?

The Bilt Obsidian Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.

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

Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Bilt Obsidian Card vs Bilt Palladium Card

The Bilt Obsidian Card ($95/yr) is better for everyday value, while the Bilt Palladium Card ($495/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Fees & Welcome Offer

Annual Fee

$95

$495

Welcome Bonus

200 cash

50,000 Flex point

Earn Rates

Category	Bilt Obsidian Card	Bilt Palladium Card
Lyft	3X	4X
Dining	3X

Category-by-Category Winner

The Bilt Palladium Card wins in 3 of 4 categories. The Bilt Obsidian Card leads in 1.

Grocery Stores

Bilt Obsidian Card earns 3X vs 2X

Lyft

Bilt Palladium Card earns 4X vs 3X

Walgreens

Bilt Palladium Card earns 3X vs 2X

Everyday purchases

Bilt Palladium Card earns 2X on all other spending vs 1X

Is the Fee Difference Worth It?

The Bilt Palladium Card costs $495/yr — that's $400 more than the Bilt Obsidian Card ($95/yr). To justify that gap, you need to extract at least $400 in annual value from the card's higher earn rates and benefits.

The Bilt Palladium Card offers lounge access. Whether that justifies the fee depends on how often you use these benefits.

Bottom line: The $400 gap is significant. Choose the Bilt Palladium Card only if you spend heavily on lyft and dining and will use its premium benefits regularly — otherwise the Bilt Obsidian Card delivers strong value at a fraction of the cost.

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

Which Card Is Right for You?

The Bottom Line

The Bilt Obsidian Card has a lower annual fee ($95 vs $495), making it the more accessible option.

The Bilt Palladium Card justifies its higher fee with premium perks like lounge access.

For everyday spending, the Bilt Palladium Card earns more with its 2X base rate.

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

Frequently Asked Questions

Is the Bilt Palladium Card worth the higher annual fee?: The Bilt Palladium Card costs $495/yr vs $95/yr for the Bilt Obsidian Card. The higher fee includes lounge access that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Obsidian Card or Bilt Palladium Card?: The Bilt Palladium Card has a higher base earn rate (2X vs 1X), but both cards have different bonus categories where they excel.
What benefits does the Bilt Obsidian Card have that the Bilt Palladium Card doesn't?: The Bilt Obsidian Card focuses on earn rates, while the Bilt Palladium Card offers lounge access.
Should I get the Bilt Obsidian Card or the Bilt Palladium Card?: Choose the Bilt Obsidian Card if you want lower fees and solid rewards. Pick the Bilt Palladium Card if you spend enough to justify the $495/yr fee through its premium benefits and higher earn rates.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Bilt Palladium 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 Obsidian Card vs Bilt Palladium Card

The Bilt Obsidian Card ($95/yr) is better for everyday value, while the Bilt Palladium Card ($495/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.