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All comparisons
Head-to-head, 2026

Bilt Bilt Obsidian Card Bilt Bilt Palladium 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 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
  • Cell Phone Protection · $100
Full Bilt Bilt Obsidian Card review

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
—
Min spend
—

Top earning rates

  • 5×dining · Bilt Points
  • 4×rideshare · Bilt Points
  • 4×hotels · Bilt Points
  • 3×flights · Bilt Points

Key benefits

  • Trip Cancellation & Interruption · $5000
  • Cell Phone Protection · $1000
  • Purchase Assurance · $1000
  • Trip Delay Reimbursement · $500
  • Bilt Cash Annual Credit · $200
Full Bilt Bilt Palladium 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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