Comparison brief
Bilt Blue vs. Bilt Obsidian
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Both Bilt cards use the same rent-earning tier table, so the choice isn’t about rent — it’s about everything else. Blue charges no annual fee and has no bonus categories; Obsidian charges $95 and adds 2x on travel plus a 3x dining-or-groceries choice, so it only wins once your non-rent spending covers the fee.
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