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 Obsidian Card Cardless · $95/yr	Delta SkyMiles Blue American Express Card American Express · No annual fee
Annual fee	$95	$0 Lowest
Welcome offerCurrent public offer	$200 in rewards	10,000 miles
Rewards	Bilt Points	Delta SkyMiles
Foreign transaction fee	None	None
Network	Mastercard World Elite	American Express
Earn ratesPer $1 spent
Dining	3x Highest	2x
Grocery Stores	3x Highest	1x
Travel	2x Highest	1x
Mortgage	1.25x Highest	1x
Rent	1.25x Highest	1x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	$100 hotel credit	20% inflight purchases
Perks & access— means none on record
Other perks	10% intro APR for 12 months 0% foreign transaction fees	Amex Offers Early access to concerts and events 24/7 global travel assistance No 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	MasterRental Coverage	Secondary car rental insurance coverage
Purchase & returns	Purchase Assurance	Up to $10,000 per item against damage or theft
Extended warranty	Extended warranty up to $10,000/claim	Extended warranty adds up to 1 year
Cell phone	Cellular Wireless Telephone Protection	—
Other protections	—	Zero liability protection on fraudulent charges
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 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)	No annual fee makes it easy to keep long-term 2x miles on Delta purchases and at U.S. restaurants 20% back on in-flight Delta purchases No foreign transaction fees Pay with Miles feature for partial flight redemptions
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	No free checked bag or priority boarding Weak 10,000 mile welcome bonus compared to premium Delta cards 1x on non-category spend limits earning potential Rewards locked in Delta SkyMiles (no transfer partners) No elite status boost or companion certificate
	Card details	Card details

Bilt Obsidian Card
Cardless · $95/yr
Delta SkyMiles Blue American Express Card
American Express · No annual fee

Overview

Annual fee: Bilt Obsidian Card
$95
Delta SkyMiles Blue American Express Card
$0
Lowest
Welcome offerCurrent public offer: Bilt Obsidian Card
$200 in rewards
Delta SkyMiles Blue American Express Card
10,000 miles
Rewards: Bilt Obsidian Card
Bilt Points
Delta SkyMiles Blue American Express Card
Delta SkyMiles
Foreign transaction fee: Bilt Obsidian Card
None
Delta SkyMiles Blue American Express Card
None
Network: Bilt Obsidian Card
Mastercard World Elite
Delta SkyMiles Blue American Express Card
American Express

Earn ratesPer $1 spent

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

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

Travel: Bilt Obsidian Card
$100 hotel credit
Delta SkyMiles Blue American Express Card
20% inflight purchases

Perks & access— means none on record

Other perks: Bilt Obsidian Card
10% intro APR for 12 months
0% foreign transaction fees
Delta SkyMiles Blue American Express Card
Amex Offers
Early access to concerts and events
24/7 global travel assistance
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: Bilt Obsidian Card
Trip cancellation up to $2,000/trip
Trip Delay
Delta SkyMiles Blue American Express Card
—
Baggage: Bilt Obsidian Card
Luggage insurance up to $1,500
Delta SkyMiles Blue American Express Card
—
Rental car: Bilt Obsidian Card
MasterRental Coverage
Delta SkyMiles Blue American Express Card
Secondary car rental insurance coverage
Purchase & returns: Bilt Obsidian Card
Purchase Assurance
Delta SkyMiles Blue American Express Card
Up to $10,000 per item against damage or theft
Extended warranty: Bilt Obsidian Card
Extended warranty up to $10,000/claim
Delta SkyMiles Blue American Express Card
Extended warranty adds up to 1 year
Cell phone: Bilt Obsidian Card
Cellular Wireless Telephone Protection
Delta SkyMiles Blue American Express Card
—
Other protections: Bilt Obsidian Card
—
Delta SkyMiles Blue American Express Card
Zero liability protection on fraudulent charges

Pros & cons

Pros: 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)
Delta SkyMiles Blue American Express Card
No annual fee makes it easy to keep long-term
2x miles on Delta purchases and at U.S. restaurants
20% back on in-flight Delta purchases
No foreign transaction fees
Pay with Miles feature for partial flight redemptions
Cons: 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
Delta SkyMiles Blue American Express Card
No free checked bag or priority boarding
Weak 10,000 mile welcome bonus compared to premium Delta cards
1x on non-category spend limits earning potential
Rewards locked in Delta SkyMiles (no transfer partners)
No elite status boost or companion certificate

Card details

401 Popular Comparisons