Bilt Obsidian Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bilt Obsidian Card

Cardless

No image

SoFi Smart Card

SoFi

Annual Fee

$95

Welcome Bonus

200 cash

—

Base Earn Rate

—

Top Earn Categories

3X Dining

3X Grocery Stores

3X Lyft

2X Travel

5X Grocery Stores

Network

MASTERCARD

Key Benefits

None

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)

—

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

—

The Bottom Line

The SoFi Smart Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Bilt Obsidian Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bilt Obsidian Card

Cardless

No image

SoFi Smart Card

SoFi

Annual Fee

$95

Welcome Bonus

200 cash

—

Base Earn Rate

—

Top Earn Categories

3X Dining

3X Grocery Stores

3X Lyft

2X Travel

5X Grocery Stores

Network

MASTERCARD

Key Benefits

None

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)

—

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

—

The Bottom Line

The SoFi Smart Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →

Bilt Obsidian Card vs SoFi Smart Card

A detailed side-by-side comparison to help you choose the right card for your spending.

Bilt Obsidian Card

Cardless

No image

SoFi Smart Card

SoFi

Annual Fee

$95

Welcome Bonus

200 cash

—

Base Earn Rate

—

Top Earn Categories

3X Dining

3X Grocery Stores

3X Lyft

2X Travel

5X Grocery Stores

Network

MASTERCARD

Key Benefits

None

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)

—

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

—

The Bottom Line

The SoFi Smart Card has a lower annual fee ($0 vs $95), making it the more accessible option.

Explore More

Bilt Obsidian Card — Full Review All Cardless Cards

SoFi Smart Card — Full Review All SoFi Cards

Browse all comparisons →Browse all card categories →