Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Bilt Obsidian Card $95/yr, Bilt Palladium Card $495/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, Bilt Palladium Card on rent and travel.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | Bilt Palladium Card |
|---|---|---|
| Dining | 3X | 2X |
| Grocery Stores | 3X |
Both cards win in 1 categories each — it comes down to which categories matter most to you. 1 more category depend on booking channel or caps.
Dining
Bilt Obsidian Card earns 3X vs 2X
Grocery Stores
Depends: up to $25,000/yr
Bilt Obsidian Card earns 3X when conditions are met; Bilt Palladium Card earns 2X (2X without restrictions)
Everyday purchases
Bilt Palladium Card earns 2X on all other spending vs 1X
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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Bilt Obsidian Card | Bilt Palladium Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $370 Credits (our usable estimate): $85 − Annual fee ($95) Ongoing: $360 Year one: $560 |
Modeled value is close across spend levels — especially once statement credits are counted.
Everyday (non-bonus) spend earns 2X on the Bilt Palladium Card vs 1X on the other card.
Published annual fees: Bilt Obsidian Card $95/yr, Bilt Palladium Card $495/yr — a $400 difference before welcome offers and credits.
| Travel | 2X | 2X |
| Mortgage | 1.25X | 1.25X |
| Rent | 1.25X | 1.25X |
| Everything Else | 1X | 2X |
Network
Key Benefits
Pros
Cons
| Close — depends on how much of the credits you use |
| Bilt Palladium Card |
| Heavy spender: $4,000/month | Rewards: $1,478 Credits (our usable estimate): $85 − Annual fee ($95) Ongoing: $1,468 Year one: $1,668 | Rewards: $2,112 Credits (our usable estimate): $300 − Annual fee ($495) Ongoing: $1,917 Year one: $3,017 | Bilt Palladium Card | Bilt Palladium Card |
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 includes lounge access. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $400 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $400 fee gap means the Bilt Palladium Card needs roughly $400 more in annual rewards (or credits you will use) to break even on travel and rent and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Obsidian Card means losing:
Get the Bilt Obsidian Card if you:
Get the Bilt Palladium Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
