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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.

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

  • Trip Delay Insurance · $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×Travel · Chase Ultimate Rewards
  • 5×Rideshare · Chase Ultimate Rewards
  • 3×Online grocery stores · Chase Ultimate Rewards
  • 3×Dining · Chase Ultimate Rewards

Key benefits

  • Complimentary Apple TV · $156
  • Complimentary DashPass Membership · $120
  • Global Entry, TSA PreCheck, or NEXUS Credit · $120
  • $100 Chase Travel Hotel Credit · $100
  • Monthly DoorDash Non-Restaurant Promo · $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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