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.
Both cards cost $95/yr. The Bilt Obsidian Card leads on rent and dining; the Citi Strata Premier Card on hotels.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | Citi Strata Premier Card |
|---|---|---|
| Dining | 3X | 3X |
| Flights | 1X | 3X |
| Gas Stations | 1X | 3X |
| Grocery Stores | 3X | 3X |
| Hotels | 1X | 3X |
| Travel | 2X | 1X |
Network
Key Benefits
Pros
Cons
Both cards win in 3 categories each — it comes down to which categories matter most to you. 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
Travel
Bilt Obsidian Card earns 2X vs 1X
Hotels
Citi Strata Premier Card earns 10X vs 1X
10X via issuer travel portal
Car Rentals
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Bilt Obsidian Card earns 1X (1X without restrictions)
Attractions
Depends: via issuer travel portal
Citi Strata Premier Card earns 10X when conditions are met; Bilt Obsidian Card earns 1X (1X without restrictions)
Gas Stations
Citi Strata Premier Card earns 3X vs 1X
Close — depends on how much of the credits you use
| Mortgage | 1.25X | 1X |
| Rent | 1.25X | 1X |
| Everything Else | 1X | 1X |
Flights
Citi Strata Premier Card earns 3X 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.
Close — depends on how much of the credits you use
| Scenario | Bilt Obsidian Card | Citi Strata Premier 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 | Rewards: $346 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $376 Year one: $1,336 | Close — depends on how much of the credits you use | Citi Strata Premier 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: $1,382 Credits (our usable estimate): $125 − Annual fee ($95) Ongoing: $1,412 Year one: $2,372 | Close — depends on how much of the credits you use | Citi Strata Premier Card |
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.
