Compare up to 4 cards

2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	Bilt Blue Card Cardless · No annual fee	Bilt Obsidian Card Cardless · $95/yr
Annual fee	$0 Lowest	$95
Welcome offerCurrent public offer	$100 in rewards	$200 in rewards
Rewards	Bilt Points	Bilt Points
Foreign transaction fee	None	None
Network	Mastercard World Elite	Mastercard World Elite
Earn ratesPer $1 spent
Dining	1x	3x Highest
Grocery Stores	1x	3x Highest
Travel	1x	2x Highest
Mortgage	1.25x	1.25x
Rent	1.25x	1.25x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	—	$100 hotel credit
Perks & access— means none on record
Other perks	No foreign transaction fees	10% intro APR for 12 months 0% foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	—	Trip cancellation up to $2,000/trip Trip Delay
Baggage	—	Luggage insurance up to $1,500
Rental car	Secondary rental car collision damage waiver	MasterRental Coverage
Purchase & returns	$1,000 purchase protection per item for 90 days	Purchase Assurance
Extended warranty	—	Extended warranty up to $10,000/claim
Cell phone	Up to $800 cell phone protection per claim	Cellular Wireless Telephone Protection
Pros & cons
Pros	No annual fee Earn up to 1.25X points on rent and mortgage with no transaction fees 4% Bilt Cash on all non-housing spend (stackable with 1X points) $100 Bilt Cash welcome bonus with no spending requirement Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)	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)
Cons	Only 1X points on non-housing purchases (below average for flat-rate cards) Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions Most Bilt Cash expires at year-end (only $100 rolls over) No bonus categories like dining or travel (those are Obsidian features) Fewer card-specific protections than Obsidian or Palladium	$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
	Card details	Card details

Bilt Blue Card
Cardless · No annual fee
Bilt Obsidian Card
Cardless · $95/yr

Overview

Annual fee: Bilt Blue Card
$0
Lowest
Bilt Obsidian Card
$95
Welcome offerCurrent public offer: Bilt Blue Card
$100 in rewards
Bilt Obsidian Card
$200 in rewards
Rewards: Bilt Blue Card
Bilt Points
Bilt Obsidian Card
Bilt Points
Foreign transaction fee: Bilt Blue Card
None
Bilt Obsidian Card
None
Network: Bilt Blue Card
Mastercard World Elite
Bilt Obsidian Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: Bilt Blue Card
1x
Bilt Obsidian Card
3x
Highest
Grocery Stores: Bilt Blue Card
1x
Bilt Obsidian Card
3x
Highest
Travel: Bilt Blue Card
1x
Bilt Obsidian Card
2x
Highest
Mortgage: Bilt Blue Card
1.25x
Bilt Obsidian Card
1.25x
Rent: Bilt Blue Card
1.25x
Bilt Obsidian Card
1.25x
Everything else: Bilt Blue Card
1x
Bilt Obsidian Card
1x

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

Travel: Bilt Blue Card
—
Bilt Obsidian Card
$100 hotel credit

Perks & access— means none on record

Other perks: Bilt Blue Card
No foreign transaction fees
Bilt Obsidian Card
10% intro APR for 12 months
0% foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Bilt Blue Card
—
Bilt Obsidian Card
Trip cancellation up to $2,000/trip
Trip Delay
Baggage: Bilt Blue Card
—
Bilt Obsidian Card
Luggage insurance up to $1,500
Rental car: Bilt Blue Card
Secondary rental car collision damage waiver
Bilt Obsidian Card
MasterRental Coverage
Purchase & returns: Bilt Blue Card
$1,000 purchase protection per item for 90 days
Bilt Obsidian Card
Purchase Assurance
Extended warranty: Bilt Blue Card
—
Bilt Obsidian Card
Extended warranty up to $10,000/claim
Cell phone: Bilt Blue Card
Up to $800 cell phone protection per claim
Bilt Obsidian Card
Cellular Wireless Telephone Protection

Pros & cons

Pros: Bilt Blue Card
No annual fee
Earn up to 1.25X points on rent and mortgage with no transaction fees
4% Bilt Cash on all non-housing spend (stackable with 1X points)
$100 Bilt Cash welcome bonus with no spending requirement
Transferable points to 20+ airline and hotel partners (valued at 2.2 cents each by TPG)
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)
Cons: Bilt Blue Card
Only 1X points on non-housing purchases (below average for flat-rate cards)
Unlocking housing points requires regular non-housing spend or Bilt Cash redemptions
Most Bilt Cash expires at year-end (only $100 rolls over)
No bonus categories like dining or travel (those are Obsidian features)
Fewer card-specific protections than Obsidian or Palladium
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

Card details

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