All comparisons
Head-to-head, 2026
Bilt Bilt Obsidian Card Citi Strata Premier
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
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
Citi
Strata Premier
- Annual fee
- $95
- Network
- mastercard
- Welcome value
- $600
- Min spend
- $4,000 / 3mo
Top earning rates
- 10×car rentals · Citi ThankYou Points
- 10×attractions · Citi ThankYou Points
- 10×hotels · Citi ThankYou Points
- 3×hotels · Citi ThankYou Points
Key benefits
- Points Transfer to Partners · $150
- $200 Annual Hotel Benefit · $100
- Travel Protection Benefits · $50
- No Foreign Transaction Fees · $30
- Citi Entertainment® · $20
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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