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All comparisons
Head-to-head, 2026

Bilt Bilt Obsidian Card Chase Sapphire Reserve

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

Lower annual fee: Bilt Bilt Obsidian Card

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

Chase

Sapphire Reserve

Annual fee
$795
Network
visa
Welcome value
$1,500
Min spend
$6,000 / 3mo

Top earning rates

  • 10×hotels · Ultimate Rewards
  • 10×car rentals · Ultimate Rewards
  • 5×flights · Ultimate Rewards
  • 3×travel · Ultimate Rewards

Key benefits

  • The Edit Property Benefits · $550
  • The Edit Statement Credit · $500
  • Annual Travel Credit · $300
  • Chase Travel Hotels Credit · $250
  • IHG One Rewards Platinum Elite Status · $200
Full Chase Sapphire Reserve 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.

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