Bilt Obsidian Card vs Breeze Easy® Visa Signature®
Annual fees: Bilt Obsidian Card $95/yr, Breeze Easy® Visa Signature® $89/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, Breeze Easy® Visa Signature® on dining.
Card data as of October 12, 2026.
Bilt Obsidian CardCardless · $95/yr
Breeze Easy® Visa Signature®Barclays · $89/yr
Overview
- Annual fee
- Bilt Obsidian Card$95Breeze Easy® Visa Signature®$89Lowest
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsBreeze Easy® Visa Signature®40,000 points
- Rewards
- Bilt Obsidian CardBilt PointsBreeze Easy® Visa Signature®BreezePoints
- Foreign transaction fee
- Bilt Obsidian CardNoneBreeze Easy® Visa Signature®None
- Network
- Bilt Obsidian CardMastercard World EliteBreeze Easy® Visa Signature®Visa Signature
Earn ratesPer $1 spent
- Dining
- Bilt Obsidian Card3xHighestBreeze Easy® Visa Signature®2x
- Grocery Stores
- Bilt Obsidian Card3xHighestBreeze Easy® Visa Signature®2x
- Travel
- Bilt Obsidian Card2xHighestBreeze Easy® Visa Signature®1x
- Mortgage
- Bilt Obsidian Card1.25xHighestBreeze Easy® Visa Signature®1x
- Rent
- Bilt Obsidian Card1.25xHighestBreeze Easy® Visa Signature®1x
- Everything else
- Bilt Obsidian Card1xBreeze Easy® Visa Signature®1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
Breeze Easy® Visa Signature®—
Perks & access— means none on record
- Airline perks
- Bilt Obsidian Card—Breeze Easy® Visa Signature®
- Free inflight WiFi on all Breeze flights
- Zone 1 priority boarding on Breeze flights
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% foreign transaction fees
Breeze Easy® Visa Signature®- Breezy 1 status included with welcome offer
- 0% foreign transaction fees
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Obsidian Card
- Trip cancellation up to $2,000/trip
- Trip Delay
Breeze Easy® Visa Signature®— - Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
Breeze Easy® Visa Signature®— - Rental car
- Bilt Obsidian Card
- MasterRental Coverage
Breeze Easy® Visa Signature®— - Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
Breeze Easy® Visa Signature®— - Extended warranty
- Bilt Obsidian Card
- Extended warranty up to $10,000/claim
Breeze Easy® Visa Signature®— - Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Breeze Easy® Visa Signature®—
Pros & cons
- Pros
- 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)
Breeze Easy® Visa Signature®— - Cons
- 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
Breeze Easy® Visa Signature®—
Category-by-Category Winner
The Bilt Obsidian Card wins in 3 of 3 categories. The Breeze Easy® Visa Signature® leads in 0. 2 more categories depend on booking channel or caps.
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
Dining
Depends: 3X applies only while dining is the elected 3X category (dining or grocery). Dining is the default at account opening; grocery can be chosen within 30 days of opening or each January.
Bilt Obsidian Card earns 3X when conditions are met; Breeze Easy® Visa Signature® earns 2X (2X without restrictions)
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; Breeze Easy® Visa Signature® earns 2X (2X 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.
Both scenarios favor the Bilt Obsidian Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bilt Obsidian Card | Breeze Easy® Visa Signature® | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $264 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $189 Year one: $389 | Rewards: $156 Credits (our usable estimate): $0 − Annual fee ($89) Ongoing: $67 Year one: $67 | Bilt Obsidian Card | Bilt Obsidian Card |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181 | Rewards: $624 Credits (our usable estimate): $0 − Annual fee ($89) Ongoing: $535 Year one: $535 | Bilt Obsidian Card | Bilt Obsidian Card |
Is the Fee Difference Worth It?
The Bilt Obsidian Card costs $95/yr — that's $6 more than the Breeze Easy® Visa Signature® ($89/yr). To justify that gap, you need to extract at least $6 in annual value from the card's higher earn rates and benefits.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $6 fee gap means the Bilt Obsidian Card needs roughly $6 more in annual rewards (or credits you will use) to break even on dining and grocery stores and everyday spend.
The Bottom Line
Both scenarios favor the Bilt Obsidian Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: Bilt Obsidian Card $95/yr, Breeze Easy® Visa Signature® $89/yr — a $6 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Bilt Obsidian Card worth the higher annual fee?
- The Bilt Obsidian Card costs $95/yr vs $89/yr for the Breeze Easy® Visa Signature®. Compare the year-one vs ongoing value table on this page — the $6 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Bilt Obsidian Card or Breeze Easy® Visa Signature®?
- 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 Bilt Obsidian Card have that the Breeze Easy® Visa Signature® doesn't?
- The Bilt Obsidian Card offers cell phone protection. The Breeze Easy® Visa Signature® focuses more on earn rates than premium perks.
- Should I get the Bilt Obsidian Card or the Breeze Easy® Visa Signature®?
- Use the spend scenarios on this page: the Breeze Easy® Visa Signature® has a lower $89/yr fee; the Bilt Obsidian Card must earn enough extra (or offer a larger welcome bonus) to justify $95/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.