Is the Bilt Obsidian Card worth the higher annual fee?

The Bilt Obsidian Card costs $95/yr vs $0/yr for the Kroger Rewards World Elite Mastercard. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Obsidian Card or Kroger Rewards World Elite Mastercard?

The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Bilt Obsidian Card or the Kroger Rewards World Elite Mastercard?

Choose the Kroger Rewards World Elite Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Bilt Obsidian Card worth the higher annual fee?

The Bilt Obsidian Card costs $95/yr vs $0/yr for the Kroger Rewards World Elite Mastercard. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Obsidian Card or Kroger Rewards World Elite Mastercard?

The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Bilt Obsidian Card or the Kroger Rewards World Elite Mastercard?

Choose the Kroger Rewards World Elite Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Is the Bilt Obsidian Card worth the higher annual fee?

The Bilt Obsidian Card costs $95/yr vs $0/yr for the Kroger Rewards World Elite Mastercard. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the Bilt Obsidian Card or Kroger Rewards World Elite Mastercard?

The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.

Should I get the Bilt Obsidian Card or the Kroger Rewards World Elite Mastercard?

Choose the Kroger Rewards World Elite Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Bilt Obsidian Card vs Kroger Rewards World Elite Mastercard

The Kroger Rewards World Elite Mastercard ($0/yr) is better for everyday value, while the Bilt Obsidian Card ($95/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

Bilt Obsidian Card

Cardless

Kroger Rewards World Elite Mastercard

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

200 cash

—

Earn Rates

Category	Bilt Obsidian Card	Kroger Rewards World Elite Mastercard
Kroger Purchases	1X	5X
Dining

Category-by-Category Winner

The Bilt Obsidian Card wins in 5 of 7 categories. The Kroger Rewards World Elite Mastercard leads in 2.

Dining

Bilt Obsidian Card earns 3X vs 1X

Grocery Stores

Bilt Obsidian Card earns 3X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Kroger Purchases

Kroger Rewards World Elite Mastercard earns 5X vs 1X

Kroger Fuel

Kroger Rewards World Elite Mastercard earns 2X vs 1X

Is the Fee Difference Worth It?

The Bilt Obsidian Card costs $95/yr — that's $95 more than the Kroger Rewards World Elite Mastercard (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.

Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Kroger Rewards World Elite Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Kroger Rewards World Elite Mastercard if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Bilt Obsidian Card worth the higher annual fee?: The Bilt Obsidian Card costs $95/yr vs $0/yr for the Kroger Rewards World Elite Mastercard. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Obsidian Card or Kroger Rewards World Elite Mastercard?: The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Obsidian Card or the Kroger Rewards World Elite Mastercard?: Choose the Kroger Rewards World Elite Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Kroger Rewards World Elite Mastercard — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · U.S. Bank 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 Kroger Rewards World Elite Mastercard

Bilt Obsidian Card

Cardless

Kroger Rewards World Elite Mastercard

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

200 cash

—

Earn Rates

Category	Bilt Obsidian Card	Kroger Rewards World Elite Mastercard
Kroger Purchases	1X	5X
Dining

Category-by-Category Winner

The Bilt Obsidian Card wins in 5 of 7 categories. The Kroger Rewards World Elite Mastercard leads in 2.

Dining

Bilt Obsidian Card earns 3X vs 1X

Grocery Stores

Bilt Obsidian Card earns 3X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Kroger Purchases

Kroger Rewards World Elite Mastercard earns 5X vs 1X

Kroger Fuel

Kroger Rewards World Elite Mastercard earns 2X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Kroger Rewards World Elite Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Kroger Rewards World Elite Mastercard if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Bilt Obsidian Card worth the higher annual fee?: The Bilt Obsidian Card costs $95/yr vs $0/yr for the Kroger Rewards World Elite Mastercard. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Obsidian Card or Kroger Rewards World Elite Mastercard?: The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Obsidian Card or the Kroger Rewards World Elite Mastercard?: Choose the Kroger Rewards World Elite Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Kroger Rewards World Elite Mastercard — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · U.S. Bank cards

Bilt Obsidian Card vs Kroger Rewards World Elite Mastercard

Bilt Obsidian Card

Cardless

Kroger Rewards World Elite Mastercard

U.S. Bank

Fees & Welcome Offer

Annual Fee

$95

Welcome Bonus

200 cash

—

Earn Rates

Category	Bilt Obsidian Card	Kroger Rewards World Elite Mastercard
Kroger Purchases	1X	5X
Dining

Category-by-Category Winner

The Bilt Obsidian Card wins in 5 of 7 categories. The Kroger Rewards World Elite Mastercard leads in 2.

Dining

Bilt Obsidian Card earns 3X vs 1X

Grocery Stores

Bilt Obsidian Card earns 3X vs 1X

Lyft

Bilt Obsidian Card earns 3X vs 1X

Travel

Bilt Obsidian Card earns 2X vs 1X

Walgreens

Bilt Obsidian Card earns 2X vs 1X

Kroger Purchases

Kroger Rewards World Elite Mastercard earns 5X vs 1X

Kroger Fuel

Kroger Rewards World Elite Mastercard earns 2X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $95 difference is small enough that the Bilt Obsidian Card's extra perks make it worth considering for most cardholders.

The Bottom Line

The Kroger Rewards World Elite Mastercard has a lower annual fee ($0 vs $95), making it the more accessible option.

Choose the Kroger Rewards World Elite Mastercard if you want solid rewards with a lower cost of entry. Choose the Bilt Obsidian Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the Bilt Obsidian Card worth the higher annual fee?: The Bilt Obsidian Card costs $95/yr vs $0/yr for the Kroger Rewards World Elite Mastercard. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the Bilt Obsidian Card or Kroger Rewards World Elite Mastercard?: The Bilt Obsidian Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
Should I get the Bilt Obsidian Card or the Kroger Rewards World Elite Mastercard?: Choose the Kroger Rewards World Elite Mastercard if you want lower fees and solid rewards. Pick the Bilt Obsidian Card if you spend enough to justify the $95/yr fee through its premium benefits and higher earn rates.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

Kroger Rewards World Elite Mastercard — Full Review All U.S. Bank Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Cardless cards · U.S. Bank cards

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)

+5% back on all Kroger family of stores purchases
+2x fuel points at Kroger fuel centers
+No annual fee
+Mastercard World Elite benefits
+Works across all Kroger banners (Ralphs, Fred Meyer, Harris Teeter, etc.)

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

−Top earn rate limited to Kroger ecosystem only
−3% foreign transaction fee
−Only 1% on non-Kroger purchases
−Rewards most valuable within Kroger ecosystem

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)

+5% back on all Kroger family of stores purchases
+2x fuel points at Kroger fuel centers
+No annual fee
+Mastercard World Elite benefits
+Works across all Kroger banners (Ralphs, Fred Meyer, Harris Teeter, etc.)

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

−Top earn rate limited to Kroger ecosystem only
−3% foreign transaction fee
−Only 1% on non-Kroger purchases
−Rewards most valuable within Kroger ecosystem

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)

+5% back on all Kroger family of stores purchases
+2x fuel points at Kroger fuel centers
+No annual fee
+Mastercard World Elite benefits
+Works across all Kroger banners (Ralphs, Fred Meyer, Harris Teeter, etc.)

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

−Top earn rate limited to Kroger ecosystem only
−3% foreign transaction fee
−Only 1% on non-Kroger purchases
−Rewards most valuable within Kroger ecosystem

Bilt Obsidian Card vs Kroger Rewards World Elite Mastercard

Bilt Obsidian Card

Kroger Rewards World Elite Mastercard

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Explore More

Bilt Obsidian Card vs Kroger Rewards World Elite Mastercard

Bilt Obsidian Card

Kroger Rewards World Elite Mastercard

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Explore More

Bilt Obsidian Card vs Kroger Rewards World Elite Mastercard

Bilt Obsidian Card

Kroger Rewards World Elite Mastercard

Fees & Welcome Offer

Earn Rates

Category-by-Category Winner

Is the Fee Difference Worth It?

The Bottom Line

Frequently Asked Questions

Explore More

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?

Benefits & Features

Pros & Cons

Which Card Is Right for You?