Bilt Blue
Bilt
No annual feeBilt RewardsNo foreign feeMastercardUsually needs 670+
View issuer offerComparison 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 everyday bonus categories (only 2x on flights and 3x on hotels booked through Bilt Travel); Obsidian charges $95 and adds 2x on flights, hotels and car rentals bought directly plus a 3x dining-or-groceries choice, so it only wins once your non-rent spending covers the fee.
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Overview
Bilt Obsidian
Bilt
$95/yrBilt RewardsNo foreign feeMastercardUsually needs 670+
View issuer offerSome links may become affiliate links; today none pay us. Commissions are not solver inputs or ranking criteria; issuer terms, eligibility, channel offers, and your assumptions control the modeled result. Read the affiliate disclosure
Which wins on my spending?
Runs the optimizer on these two cards alone, one card allowed, against your own monthly spending.
Earn rates
Everyday categories
Flights outside issuer portals
- Bilt Blue
- 1x
- Bilt Obsidian
- 2xHighest
Hotels outside issuer portals
- Bilt Blue
- 1x
- Bilt Obsidian
- 2xHighest
Travel - Car Rentals / Agencies / Cruises
- Bilt Blue
- 1x
- Bilt Obsidian
- 2xHighest
Everything else
- Bilt Blue
- 1x
- Bilt Obsidian
- 1x
| Category | Bilt Blue | Bilt Obsidian |
|---|---|---|
| Flights outside issuer portals | 1x | 2xHighest |
| Hotels outside issuer portals | 1x | 2xHighest |
| Travel - Car Rentals / Agencies / Cruises | 1x | 2xHighest |
| Everything else | 1x | 1x |
Issuer travel portals 2 categories — only earned when you book through that issuer’s portal
Bilt Travel - Flights
- Bilt Blue
- 2x
- Bilt Obsidian
- 3xHighest
Bilt Travel - Hotels
- Bilt Blue
- 3x
- Bilt Obsidian
- 4xHighest
| Category | Bilt Blue | Bilt Obsidian |
|---|---|---|
| Bilt Travel - Flights | 2x | 3xHighest |
| Bilt Travel - Hotels | 3x | 4xHighest |
Highest marks the highest listed rate, on each card that ties for it; a row where every card ties is not marked. Muted figures are base rates. Listed rates can still be subject to portal, spending-cap, or category-selection rules; review each card's details before deciding.
Credits and benefits
Bilt Travel Hotel Credit
- Bilt Blue
- —
- Bilt Obsidian
- $0/yr estimated usableUp to $100/yrConditional
Estimated usable credit value
- Bilt Blue
- —
- Bilt Obsidian
- $0/yr
Maximum face value
- Bilt Blue
- —
- Bilt Obsidian
- $100/yr
| Credit | Bilt Blue | Bilt Obsidian |
|---|---|---|
| Bilt Travel Hotel Credit | — | $0/yr estimated usable Up to $100/yr Conditional |
| Estimated usable credit value | — | $0/yr |
| Maximum face value | — | $100/yr |
Estimated usable value applies the same conservative assumptions used by the optimizer. Maximum face value assumes every listed credit is used in full.
Find your modeled setup
The optimizer searches eligible portfolios against your stated spending—not just two cards at a time—and reports whether the result was proven within the selected catalog and run inputs.
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