American Express Platinum Bilt Bilt Obsidian Card
American Express Platinum
$895/yr
Bilt Obsidian Card
$95/yr
Every $1 · two cards
American Express Platinum earns more in 2 of 9 categories · Bilt Obsidian Card in 7
- Dining1×2¢ per $11×2.2¢ per $1
- Groceries1×2¢ per $11×2.2¢ per $1
- Gas1×2¢ per $11×2.2¢ per $1
- Flights5×10¢ per $1
up to $500,000/yr
1×2.2¢ per $1 - Hotels5×10¢ per $1
via American Express Travel
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
Platinum
- Annual fee
- $895
- Network
- amex
- Welcome value
- —
- Min spend
- $12,000 / 6mo
Top earning rates
- 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
- 5×Prepaid hotels · Membership Rewards
- 5×Prepaid short-term rentals with Airbnb · Membership Rewards
- 2×Eligible travel purchases · Membership Rewards
Key benefits
- Cell Phone Protection · $800
- Trip Delay Insurance · $500
- $300 Equinox Credit · $300
- $600 Lodging Credit · $300
- $250 Airbnb Experiences Credit · $250
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.
Get my personal answer