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.
Annual fees: Bilt Obsidian Card $95/yr, FRONTIER Airlines World Mastercard $99/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, FRONTIER Airlines World Mastercard on dining.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | FRONTIER Airlines World Mastercard |
|---|---|---|
| Dining | 3X | 3X |
| Grocery Stores | 3X |
The Bilt Obsidian Card wins in 3 of 3 categories. The FRONTIER Airlines World Mastercard leads in 0. 1 more category 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
Grocery Stores
Depends: up to $25,000/yr
Bilt Obsidian Card earns 3X when conditions are met; FRONTIER Airlines World Mastercard earns 1X (1X without restrictions)
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.
The better card depends on how much you spend.
| Scenario | Bilt Obsidian Card | FRONTIER Airlines World Mastercard | Ongoing winner | Year-one winner |
|---|
The better card depends on how much you spend.
Published annual fees: Bilt Obsidian Card $95/yr, FRONTIER Airlines World Mastercard $99/yr — a $4 difference before welcome offers and credits.
| 1X |
| Travel | 2X | 1X |
| Mortgage | 1.25X | 1X |
| Rent | 1.25X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| Light spender: $1,000/month | Rewards: $370 Credits (our usable estimate): $85 − Annual fee ($95) Ongoing: $360 Year one: $560 | Rewards: $203 Credits (our usable estimate): $0 − Annual fee ($99) Ongoing: $104 Year one: $884 | Bilt Obsidian Card | FRONTIER Airlines World Mastercard |
| Heavy spender: $4,000/month | Rewards: $1,478 Credits (our usable estimate): $85 − Annual fee ($95) Ongoing: $1,468 Year one: $1,668 | Rewards: $811 Credits (our usable estimate): $0 − Annual fee ($99) Ongoing: $712 Year one: $1,492 | Bilt Obsidian Card | Bilt Obsidian Card |
The FRONTIER Airlines World Mastercard costs $99/yr — that's $4 more than the Bilt Obsidian Card ($95/yr). To justify that gap, you need to extract at least $4 in annual value from the card's higher earn rates and benefits.
The FRONTIER Airlines World Mastercard includes free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $4 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $4 fee gap means the FRONTIER Airlines World Mastercard needs roughly $4 more in annual rewards (or credits you will use) to break even on dining and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Obsidian Card means losing:
Get the Bilt Obsidian Card if you:
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.
