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All comparisons
Head-to-head, 2026

Bilt Bilt Obsidian Card Citi Strata Premier

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

Bigger welcome offer: Citi Strata Premier

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

Citi

Strata Premier

Annual fee
$95
Network
mastercard
Welcome value
~$1,140
Min spend
$4,000 / 3mo

Top earning rates

  • 10×Hotels, Car Rentals and Attractions · ThankYou Rewards
  • 3×Air travel and other hotel purchases · ThankYou Points
  • 3×Restaurants · ThankYou Points
  • 3×Supermarkets · ThankYou Points

Key benefits

  • $100 Annual Hotel Benefit · $100
  • No Authorized User Fee · $0
  • Mastercard ID Theft Protection · $0
  • Lost or Damaged Luggage Protection · $0
  • MasterRental Coverage · $0
Full Citi Strata Premier 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.

Get my personal answer