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All comparisons
Head-to-head, 2026

Bilt Bilt Obsidian Card Chase Sapphire Preferred

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

Bigger welcome offer: Chase Sapphire Preferred

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

Chase

Sapphire Preferred

Annual fee
$95
Network
visa
Welcome value
~$1,538
Min spend
$5,000 / 3mo

Top earning rates

  • 5×Chase Travel purchases · Ultimate Rewards
  • 5×Peloton equipment and accessory purchases over $150 · Ultimate Rewards
  • 5×Lyft rides · Ultimate Rewards
  • 3×Online groceries · Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $180
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • Complimentary DashPass Membership · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash non-restaurant discount · $10
Full Chase Sapphire Preferred 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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