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All comparisons
Head-to-head, 2026

Bilt Bilt Blue Card Bilt Bilt Obsidian Card

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Bilt Bilt Blue Card

Bilt

Bilt Blue Card

Annual fee
$0
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 3×restaurants · Bilt Rewards
  • 2×travel · Bilt Rewards
  • 1×all other purchases · Bilt Rewards
  • 1×rent · Bilt Rewards

Key benefits

  • Welcome Offer: $100 Bilt Cash · $100
  • Elite Status Bilt Cash Bonus · $50
  • No Transaction Fee on Housing Payments · $0
  • Bilt Housing Payment Credit Line Protection · $0
  • No Foreign Transaction Fees · $0
Full Bilt Bilt Blue Card review

Bilt

Bilt Obsidian Card

Annual fee
$95
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 3×dining · Bilt Rewards
  • 3×groceries · Bilt Rewards
  • 2×travel · Bilt Rewards
  • 1×all other purchases · Bilt Rewards

Key benefits

  • 1.25x Points on Rent/Mortgage · $313
  • 1x Points on All Other Purchases · $250
  • 3x Points on Groceries or Dining · $180
  • Rent Day Double Points · $125
  • $100 Annual Bilt Travel Hotel Credit · $100
Full Bilt Bilt Obsidian Card review

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