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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 CardBigger welcome offer: Bilt Bilt Palladium Card

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

Bilt

Bilt Palladium Card

Annual fee
$495
Network
mastercard
Welcome value
$1,050
Min spend
$4,000 / 3mo

Top earning rates

  • 5×Bilt dining
  • 4×Hotels
  • 4×Everyday purchases · Bilt Cash
  • 4×Lyft

Key benefits

  • $400 Bilt Travel Hotel Credit · $200
  • $200 of Bilt Cash · $200
  • Concierge Service. · $0
  • No Foreign Transaction Fees · $0
  • Priority Pass Membership · $0
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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