American Express Gold Bilt Bilt Obsidian Card
American Express Gold
$325/yr
Bilt Obsidian Card
$95/yr
Every $1 · two cards
American Express Gold earns more in 4 of 9 categories · Bilt Obsidian Card in 5
- Dining4×8¢ per $1
up to $50,000/yr
1×2.2¢ per $1 - Groceries4×8¢ per $1
up to $25,000/yr
1×2.2¢ per $1 - Gas1×2¢ per $11×2.2¢ per $1
- Flights3×6¢ per $11×2.2¢ per $1
- Hotels5×10¢ per $1
via amextravel.com
1×2.2¢ per $1 - Everything else1×2¢ per $11×2.2¢ per $1
Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.
Fees, welcome offers & benefits
American Express
Gold
- Annual fee
- $325
- Network
- amex
- Welcome value
- —
- Min spend
- $8,000 / 6mo
Top earning rates
- 5×Prepaid hotels · Membership Rewards
- 4×US supermarkets · Membership Rewards
- 4×Restaurants worldwide · Membership Rewards
- 3×Flights · Membership Rewards
Key benefits
- The Hotel Collection $100 Credit · $100
- $100 Resy Credit · $50
- $120 Dining Credit · $10
- $120 Uber Cash · $10
- $84 Dunkin' Credit · $7
Bilt
Bilt Obsidian Card
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- $200
- Min spend
- $0
Top earning rates
- 4×Everyday Spend
- 4×Travel · Bilt Points
- 3×Selected category · Bilt Points
- 2×Other everyday purchases · Bilt Points
Key benefits
- Extended Warranty · $10000
- $100 Bilt Travel Hotel Credit · $50
- Trip Delay Reimbursement · $0
- Purchase Assurance · $0
- MasterRental Coverage · $0
Wondering which one is right for your wallet?
Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.
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