Bilt Obsidian Card vs Chase Sapphire Preferred Card
Both cards cost $95/yr. The Bilt Obsidian Card leads on rent and dining; the Chase Sapphire Preferred Card on travel.
Card data as of November 13, 2026.
Bilt Obsidian CardCardless · $95/yr
Chase Sapphire Preferred CardChase · $95/yr
Overview
- Annual fee
- Bilt Obsidian Card$95Chase Sapphire Preferred Card$95
- Welcome offerCurrent public offer
- Bilt Obsidian Card$200 in rewardsChase Sapphire Preferred Card75,000 points
- Rewards
- Bilt Obsidian CardBilt PointsChase Sapphire Preferred CardChase Ultimate Rewards
- Foreign transaction fee
- Bilt Obsidian CardNoneChase Sapphire Preferred CardNone
- Network
- Bilt Obsidian CardMastercard World EliteChase Sapphire Preferred CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Bilt Obsidian Card3xChase Sapphire Preferred Card3x
- Electric Vehicle Charging
- Bilt Obsidian Card1xChase Sapphire Preferred Card3xHighest
- Gas Stations
- Bilt Obsidian Card1xChase Sapphire Preferred Card3xHighest
- Grocery Stores
- Bilt Obsidian Card3xChase Sapphire Preferred Card3x
- Streaming
- Bilt Obsidian Card1xChase Sapphire Preferred Card3xHighest
- Vacation Rentals
- Bilt Obsidian Card1xChase Sapphire Preferred Card3xHighest
- Travel
- Bilt Obsidian Card2xChase Sapphire Preferred Card2x
- Mortgage
- Bilt Obsidian Card1.25xHighestChase Sapphire Preferred Card1x
- Rent
- Bilt Obsidian Card1.25xHighestChase Sapphire Preferred Card1x
- Everything else
- Bilt Obsidian Card1xChase Sapphire Preferred Card1x
Statement creditsAs the issuer states them · — means none on record
- Travel
- Bilt Obsidian Card
- $100 hotel credit
Chase Sapphire Preferred Card- $120 Global Entry/TSA PreCheck/NEXUS credit · $120 every 4 years
- $100 hotel credit
- Entertainment & streaming
- Bilt Obsidian Card—Chase Sapphire Preferred Card
- A year of Apple TV, valued at $180 · $180 one-time
Perks & access— means none on record
- Other perks
- Bilt Obsidian Card
- 10% intro APR for 12 months
- 0% foreign transaction fees
Chase Sapphire Preferred Card- Complimentary DashPass after activation
- Up to $10 monthly on a non-restaurant DoorDash order
- No Foreign Transaction Fees on international purchases
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Bilt Obsidian Card
- Trip cancellation up to $2,000/trip
- Trip Delay
Chase Sapphire Preferred Card- Travel Accident Insurance up to $500,000
- $10,000 Trip Cancellation Insurance per person
- $500 Trip Delay Reimbursement per traveler
- Baggage
- Bilt Obsidian Card
- Luggage insurance up to $1,500
Chase Sapphire Preferred Card- $500 Baggage Delay Insurance ($100 per day)
- $3,000 Lost Luggage Reimbursement per traveler
- Rental car
- Bilt Obsidian Card
- MasterRental Coverage
Chase Sapphire Preferred Card- Auto Rental Coverage
- Purchase & returns
- Bilt Obsidian Card
- Purchase Assurance
Chase Sapphire Preferred Card- 120-day Purchase Protection up to $500 per item
- Extended warranty
- Bilt Obsidian Card
- Extended warranty up to $10,000/claim
Chase Sapphire Preferred Card- Extended Warranty Protection adds 1 extra year
- Cell phone
- Bilt Obsidian Card
- Cellular Wireless Telephone Protection
Chase Sapphire Preferred Card— - Other protections
- Bilt Obsidian Card—Chase Sapphire Preferred Card
- Travel and Emergency Assistance Services
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)
Chase Sapphire Preferred Card- 75,000 point welcome bonus after $5,000 in purchases in the first 3 months
- $95 annual fee partly offset by a $100 Chase Travel hotel credit each account anniversary year
- Transfers to 14 airline and hotel partners, 13 at 1:1 and Hyatt at 4:3
- 5X on Chase Travel, 3X dining, streaming, online groceries
- Trip cancellation, delay, and lost luggage insurance included
- 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
Chase Sapphire Preferred Card- $95 annual fee vs $0 Freedom cards
- No lounge access included
- 5/24 rule restricts applicants with 5+ cards in 24 months
- No 0% intro APR offer
Category-by-Category Winner
The Chase Sapphire Preferred Card wins in 4 of 6 categories. The Bilt Obsidian Card leads in 2. 4 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
Travel
Depends: via Chase Travel portal
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Obsidian Card earns 2X (2X without restrictions)
Hotels
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Obsidian Card earns 1X (1X without restrictions)
Flights
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Obsidian Card earns 1X (1X without restrictions)
Car Rentals
Depends: via Chase Travel portal - the Chase Travel travel rate restated per bookable subcategory, as Capital One and Citi portal rates are recorded
Chase Sapphire Preferred Card earns 5X when conditions are met; Bilt Obsidian Card earns 1X (1X without restrictions)
Gas Stations
Chase Sapphire Preferred Card earns 3X vs 1X
Electric Vehicle Charging
Chase Sapphire Preferred Card earns 3X vs 1X
Vacation Rentals
Chase Sapphire Preferred Card earns 3X vs 1X
Streaming
Chase Sapphire Preferred Card earns 3X vs 1X
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 Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | Bilt Obsidian Card | Chase Sapphire Preferred Card | 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: $346 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $326 Year one: $1,784 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
| Heavy spender: $4,000/month | Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181 | Rewards: $1,382 Credits (our usable estimate): $75 − Annual fee ($95) Ongoing: $1,362 Year one: $2,820 | Chase Sapphire Preferred Card | Chase Sapphire Preferred Card |
The Bottom Line
Both scenarios favor the Chase Sapphire Preferred Card on net value (rewards, usable credits, fees, and welcome offer).
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 offers cell phone protection. The Chase Sapphire Preferred Card focuses more on earn rates than premium perks.
- 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.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.