Bilt Obsidian Card vs DoorDash Rewards Mastercard®
Annual fees: Bilt Obsidian Card $95/yr, DoorDash Rewards Mastercard® $0/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, DoorDash Rewards Mastercard® on dining.
Card data as of October 12, 2026.
Bilt Obsidian CardCardless · $95/yr
DoorDash Rewards Mastercard®Chase · No annual fee
Overview
- Annual fee
- Bilt Obsidian Card$95DoorDash Rewards Mastercard®$0Lowest
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsDoorDash Rewards Mastercard®—
- Rewards
- Bilt Obsidian CardBilt PointsDoorDash Rewards Mastercard®Cash back
- Foreign transaction fee
- Bilt Obsidian CardNoneDoorDash Rewards Mastercard®None
- Network
- Bilt Obsidian CardMastercard World EliteDoorDash Rewards Mastercard®Mastercard World Elite
Earn ratesPer $1 spent · points and cash back aren’t ranked against each other
- Dining
- Bilt Obsidian Card3xDoorDash Rewards Mastercard®3%
- Grocery Stores
- Bilt Obsidian Card3xDoorDash Rewards Mastercard®2%
- Travel
- Bilt Obsidian Card2xDoorDash Rewards Mastercard®1%
- Mortgage
- Bilt Obsidian Card1.25xDoorDash Rewards Mastercard®1%
- Rent
- Bilt Obsidian Card1.25xDoorDash Rewards Mastercard®1%
- Everything else
- Bilt Obsidian Card1xDoorDash Rewards Mastercard®1%
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
DoorDash Rewards Mastercard®— - Dining & delivery
- Bilt Obsidian Card—DoorDash Rewards Mastercard®
- Free DashPass for 1st year ($96 value) · $96 one-time
- $96 anniversary bonus
- 10% off 1 grocery order monthly · $15 monthly
Perks & access— means none on record
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% foreign transaction fees
DoorDash Rewards Mastercard®- 24/7 personal concierge at your service
- Curated experiences in 40+ destinations
- No foreign transaction fees worldwide
- Chase Offers
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Obsidian Card
- Trip cancellation up to $2,000/trip
- Trip Delay
DoorDash Rewards Mastercard®- Trip Cancellation and Interruption · up to $1,500
- Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
DoorDash Rewards Mastercard®— - Rental car
- Bilt Obsidian Card
- MasterRental Coverage
DoorDash Rewards Mastercard®- Auto Rental Coverage
- Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
DoorDash Rewards Mastercard®- Purchase Protection · up to $500
- Extended warranty
- Bilt Obsidian Card
- Extended warranty up to $10,000/claim
DoorDash Rewards Mastercard®- Extended Warranty Protection
- Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
DoorDash Rewards Mastercard®- Up to $800 per claim
- Other protections
- Bilt Obsidian Card—DoorDash Rewards Mastercard®
- 24/7 fraud monitoring
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)
DoorDash Rewards Mastercard®— - 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
DoorDash Rewards Mastercard®—
Category-by-Category Winner
The Bilt Obsidian Card wins in 3 of 3 categories. The DoorDash Rewards Mastercard® leads in 0. 1 more category 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
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; DoorDash Rewards Mastercard® 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.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Bilt Obsidian Card | DoorDash Rewards Mastercard® | 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: $174 Credits (our usable estimate): $163 − Annual fee ($0) Ongoing: $337 Year one: $428 | DoorDash Rewards Mastercard® | Close — depends on how much of the credits you use |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181 | Rewards: $696 Credits (our usable estimate): $163 − Annual fee ($0) Ongoing: $859 Year one: $950 | Bilt Obsidian Card | Bilt Obsidian Card |
Is the Fee Difference Worth It?
The Bilt Obsidian Card costs $95/yr — that's $95 more than the DoorDash Rewards 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: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Bilt Obsidian Card needs roughly $95 more in annual rewards (or credits you will use) to break even on dining and grocery stores and everyday spend.
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Bilt Obsidian Card $95/yr, DoorDash Rewards Mastercard® $0/yr — a $95 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 $0/yr for the DoorDash Rewards Mastercard®. Compare the year-one vs ongoing value table on this page — the $95 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 DoorDash Rewards Mastercard®?
- 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 DoorDash Rewards Mastercard® doesn't?
- The Bilt Obsidian Card offers cell phone protection. The DoorDash Rewards Mastercard® offers cell phone protection.
- Should I get the Bilt Obsidian Card or the DoorDash Rewards Mastercard®?
- Use the spend scenarios on this page: the DoorDash Rewards Mastercard® has a lower $0/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.