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.

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.

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.

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.

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.

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 is better for rent and dining, while the Citi Strata Premier Card wins on hotels. Here's how they compare.

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

200 cash

60,000 Flex point

Earn Rates

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
Lyft	3X	1X

Benefits & Features

Network

MASTERCARD

Key Benefits

None

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)

+3X points on 6 everyday categories (dining, gas, groceries, flights, hotels, all travel)
+10X points on hotels, car rentals, and attractions through Citi Travel portal
+Lowest $95 annual fee among premium travel cards with transfer partners
+Transfer to 18+ airline and hotel partners including JetBlue TrueBlue and Turkish Miles&Smiles
+No foreign transaction fees for international purchases

Cons

−$95 annual fee plus $50 per authorized user

Category-by-Category Winner

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

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Hotels

Citi Strata Premier Card earns 3X vs 1X

Gas Stations

Citi Strata Premier Card earns 3X vs 1X

Flights

Citi Strata Premier Card earns 3X vs 1X

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.
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: 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 Citi Strata Premier Card

Both cards cost $95/yr. The Bilt Obsidian Card is better for rent and dining, while the Citi Strata Premier Card wins on hotels. Here's how they compare.