Which card earns more rewards, the Bilt Obsidian Card or Citi Strata Premier 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 Citi Strata Premier Card doesn't?

The Bilt Obsidian Card offers cell phone protection. The Citi Strata Premier Card focuses more on earn rates than premium perks.

Should I get the Bilt Obsidian Card or the Citi Strata Premier 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 Citi Strata Premier Card

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 November 13, 2026.

Credit card comparison
Overview
	Bilt Obsidian Card Cardless · $95/yr	Citi Strata Premier Card Citi · $95/yr
Annual fee	$95	$95
Welcome offerCurrent public offer	$200 in rewards	60,000 points
Rewards	Bilt Points	Citi ThankYou Rewards
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard World Elite
Earn ratesPer $1 spent
Dining	3x	3x
Electric Vehicle Charging	1x	3x Highest
Flights	1x	3x Highest
Gas Stations	1x	3x Highest
Grocery Stores	3x	3x
Hotels	1x	3x Highest
Travel	2x Highest	1x
Mortgage	1.25x Highest	1x
Rent	1.25x Highest	1x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$100 hotel credit	$100 hotel credit
Perks & access— means none on record
Hotel status & programs	—	The Reserve by Citi Travel Luxury Hotel Program
Airline perks	—	ThankYou Points Transfer Partners Airlines and Hotels
Other perks	10% intro APR for 12 months 0% foreign transaction fees	Citi Entertainment Presale Tickets and Exclusive Access No Foreign Transaction Fees on International Purchases
Protections & insuranceLimits where published · — means none on record
Trip insurance	Trip cancellation up to $2,000/trip Trip Delay	Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000 Five Hundred Dollar Trip Delay Protection Coverage · up to $500 Travel Protection Benefits
Baggage	Luggage insurance up to $1,500	Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Rental car	MasterRental Coverage	MasterRental Car Insurance Coverage
Purchase & returns	Purchase Assurance	Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Extended warranty	Extended warranty up to $10,000/claim	Extended Warranty Protection Up to Twenty Four Months
Cell phone	Cellular Wireless Telephone Protection	—
Other protections	—	Comprehensive identity theft monitoring Free FICO Score Access Through Your Citi Account
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 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)	3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases 10X points on hotels, car rentals, and attractions through Citi Travel portal $95 annual fee with no foreign transaction fees Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic No foreign transaction fees for international purchases
Cons	$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	No airport lounge access included Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt) 10X portal bonus requires booking through Citi Travel, limiting flexibility Welcome bonus lower than competing premium cards (60K vs 75K-90K) Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel
	Card details	Card details

Bilt Obsidian Card
Cardless · $95/yr
Citi Strata Premier Card
Citi · $95/yr

Overview

Annual fee: Bilt Obsidian Card
$95
Citi Strata Premier Card
$95
Welcome offerCurrent public offer: Bilt Obsidian Card
$200 in rewards
Citi Strata Premier Card
60,000 points
Rewards: Bilt Obsidian Card
Bilt Points
Citi Strata Premier Card
Citi ThankYou Rewards
Foreign transaction fee: Bilt Obsidian Card
None
Citi Strata Premier Card
None
Network: Bilt Obsidian Card
Mastercard World Elite
Citi Strata Premier Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Bilt Obsidian Card
3x
Citi Strata Premier Card
3x
Electric Vehicle Charging: Bilt Obsidian Card
1x
Citi Strata Premier Card
3x
Highest
Flights: Bilt Obsidian Card
1x
Citi Strata Premier Card
3x
Highest
Gas Stations: Bilt Obsidian Card
1x
Citi Strata Premier Card
3x
Highest
Grocery Stores: Bilt Obsidian Card
3x
Citi Strata Premier Card
3x
Hotels: Bilt Obsidian Card
1x
Citi Strata Premier Card
3x
Highest
Travel: Bilt Obsidian Card
2x
Highest
Citi Strata Premier Card
1x
Mortgage: Bilt Obsidian Card
1.25x
Highest
Citi Strata Premier Card
1x
Rent: Bilt Obsidian Card
1.25x
Highest
Citi Strata Premier Card
1x
Everything else: Bilt Obsidian Card
1x
Citi Strata Premier Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: Bilt Obsidian Card
$100 hotel credit
Citi Strata Premier Card
$100 hotel credit

Perks & access— means none on record

Hotel status & programs: Bilt Obsidian Card
—
Citi Strata Premier Card
The Reserve by Citi Travel Luxury Hotel Program
Airline perks: Bilt Obsidian Card
—
Citi Strata Premier Card
ThankYou Points Transfer Partners Airlines and Hotels
Other perks: Bilt Obsidian Card
10% intro APR for 12 months
0% foreign transaction fees
Citi Strata Premier Card
Citi Entertainment Presale Tickets and Exclusive Access
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
Citi Strata Premier Card
Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000
Five Hundred Dollar Trip Delay Protection Coverage · up to $500
Travel Protection Benefits
Baggage: Bilt Obsidian Card
Luggage insurance up to $1,500
Citi Strata Premier Card
Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Rental car: Bilt Obsidian Card
MasterRental Coverage
Citi Strata Premier Card
MasterRental Car Insurance Coverage
Purchase & returns: Bilt Obsidian Card
Purchase Assurance
Citi Strata Premier Card
Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Extended warranty: Bilt Obsidian Card
Extended warranty up to $10,000/claim
Citi Strata Premier Card
Extended Warranty Protection Up to Twenty Four Months
Cell phone: Bilt Obsidian Card
Cellular Wireless Telephone Protection
Citi Strata Premier Card
—
Other protections: Bilt Obsidian Card
—
Citi Strata Premier Card
Comprehensive identity theft monitoring
Free FICO Score Access Through Your Citi Account

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)
Citi Strata Premier Card
3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases
10X points on hotels, car rentals, and attractions through Citi Travel portal
$95 annual fee with no foreign transaction fees
Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic
No foreign transaction fees for international purchases
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
Citi Strata Premier Card
No airport lounge access included
Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
10X portal bonus requires booking through Citi Travel, limiting flexibility
Welcome bonus lower than competing premium cards (60K vs 75K-90K)
Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel

Card details

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Category-by-Category Winner

The Citi Strata Premier Card wins in 4 of 7 categories. The Bilt Obsidian Card leads in 3. 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

Electric Vehicle Charging

Citi Strata Premier Card earns 3X vs 1X

Flights

Citi Strata Premier 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 Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	Bilt Obsidian Card	Citi Strata Premier 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: $367 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $332 Year one: $1,352	Citi Strata Premier Card	Citi Strata Premier Card
Heavy spender: $4,000/month	Rewards: $1,056 Credits (our usable estimate): $20 − Annual fee ($95) Ongoing: $981 Year one: $1,181	Rewards: $1,469 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,434 Year one: $2,454	Citi Strata Premier Card	Citi Strata Premier Card

The Bottom Line

Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the Bilt Obsidian Card or Citi Strata Premier 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 Citi Strata Premier Card doesn't?: The Bilt Obsidian Card offers cell phone protection. The Citi Strata Premier Card focuses more on earn rates than premium perks.
Should I get the Bilt Obsidian Card or the Citi Strata Premier 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 · Citi cards

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.