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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 CardBigger welcome offer: Bilt Bilt Obsidian Card

Bilt

Bilt Blue Card

Annual fee
$0
Network
mastercard
Welcome value
$100
Min spend
$0

Top earning rates

  • 4×Everyday Spend
  • 4×Bilt dining partners · Bilt Points
  • 3×Hotels · Bilt Points
  • 3×Lyft · Bilt Points

Key benefits

  • Rent Day double points · $0
  • No transaction fees on housing payments · $0
  • MasterRental Coverage · $0
  • Cellular Wireless Telephone Protection · $0
  • No-fee authorized users · $0
Full Bilt Bilt Blue Card review

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
  • 2×Other everyday purchases

Key benefits

  • Extended Warranty · $10000
  • $100 Bilt Travel Hotel Credit · $50
  • Trip Delay Reimbursement · $0
  • Purchase Assurance · $0
  • MasterRental Coverage · $0
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.

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