Which card earns more rewards, the Bilt Obsidian Card or Chase Sapphire Preferred Card?

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 Chase Sapphire Preferred Card doesn't?

The Bilt Obsidian Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Bilt Obsidian Card or the Chase Sapphire Preferred Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Obsidian Card or Chase Sapphire Preferred Card?

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 Chase Sapphire Preferred Card doesn't?

The Bilt Obsidian Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Bilt Obsidian Card or the Chase Sapphire Preferred Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the Bilt Obsidian Card or Chase Sapphire Preferred Card?

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 Chase Sapphire Preferred Card doesn't?

The Bilt Obsidian Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.

Should I get the Bilt Obsidian Card or the Chase Sapphire Preferred Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Bilt Obsidian Card vs Chase Sapphire Preferred Card

Both cards cost $95/yr. The Bilt Obsidian Card is better for rent and dining, while the Chase Sapphire Preferred Card wins on travel. Here's how they compare.

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

200 cash

75,000 Flex point

Earn Rates

Category	Bilt Obsidian Card	Chase Sapphire Preferred Card
Dining	3X	3X
Grocery Delivery	1X	3X
Grocery Stores	3X	1X
Lyft	3X	1X
Online Groceries	1X	3X
Streaming	1X	3X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

✓Travel credit

✓Travel insurance

✓Purchase protection

Pros & Cons

Pros

+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)

+75,000 point welcome bonus worth $937+ via transfers
+$95 annual fee offset by $50 hotel credit
+1:1 transfer to 13+ airline and hotel partners including Hyatt
+5X on Chase Travel, 3X dining, streaming, online groceries
+Trip cancellation, delay, and lost luggage insurance included

Cons

−$95 annual fee plus $50 per authorized user
Complex earning structure for housing rewards (requires spending tiers or Bilt Cash redemption)

Category-by-Category Winner

Both cards win in 3 categories each — it comes down to which categories matter most to you.

Grocery Stores

Bilt Obsidian Card earns 3X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Streaming

Chase Sapphire Preferred Card earns 3X vs 1X

Online Groceries

Chase Sapphire Preferred Card earns 3X vs 1X

Grocery Delivery

Chase Sapphire Preferred Card earns 3X vs 1X

What You Give Up

Choosing one card means missing out on these benefits from the other.

Choosing Bilt Obsidian Card means losing:

-Annual travel credit
-Purchase protection
-Travel insurance

Which Card Is Right for You?

Frequently Asked Questions

Which card earns more rewards, the Bilt Obsidian Card or Chase Sapphire Preferred Card?: 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 Chase Sapphire Preferred Card doesn't?: The Bilt Obsidian Card focuses on earn rates, while the Chase Sapphire Preferred Card offers travel credits.
Should I get the Bilt Obsidian Card or the Chase Sapphire Preferred Card?: Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Cardless cards · Chase 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 Chase Sapphire Preferred Card

Both cards cost $95/yr. The Bilt Obsidian Card is better for rent and dining, while the Chase Sapphire Preferred Card wins on travel. Here's how they compare.