Bilt Obsidian
Bilt
$95/yrBilt RewardsNo foreign feeMastercardGood
View issuer offerComparison brief
Bilt Obsidian vs. Amex Gold
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Bilt Obsidian is the only card here that earns on rent, at a rate that depends on how much other spending you also put on the card. The Gold earns nothing on rent but beats Bilt’s pick-one 3x food bonus with 4x on both dining and groceries at once.
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Overview
Amex Gold
Amex
$325/yrAmex Membership RewardsNo foreign feeAmexGood
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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
Dining
- Bilt Obsidian
- 1x
- Amex Gold
- 4x
Flights outside issuer portals
- Bilt Obsidian
- 2x
- Amex Gold
- 3x
Hotels outside issuer portals
- Bilt Obsidian
- 2x
- Amex Gold
- 1x
Other travel outside issuer portals
- Bilt Obsidian
- 2x
- Amex Gold
- 1x
Tours & Activities (booked direct)
- Bilt Obsidian
- 2x
- Amex Gold
- 1x
Travel - Car Rentals / Agencies / Cruises
- Bilt Obsidian
- 2x
- Amex Gold
- 1x
Everything else
- Bilt Obsidian
- 1x
- Amex Gold
- 1x
| Category | Bilt Obsidian | Amex Gold |
|---|---|---|
| Dining | 1x | 4x |
| Flights outside issuer portals | 2x | 3x |
| Hotels outside issuer portals | 2x | 1x |
| Other travel outside issuer portals | 2x | 1x |
| Tours & Activities (booked direct) | 2x | 1x |
| Travel - Car Rentals / Agencies / Cruises | 2x | 1x |
| Everything else | 1x | 1x |
Issuer travel portals 5 categories — only earned when you book through that issuer’s portal
Amex Travel - Car Rentals / Cruises
- Bilt Obsidian
- 1x
- Amex Gold
- 2x
Amex Travel - Flights
- Bilt Obsidian
- 1x
- Amex Gold
- 3x
Amex Travel - Hotels
- Bilt Obsidian
- 1x
- Amex Gold
- 5x
Bilt Travel - Flights
- Bilt Obsidian
- 3x
- Amex Gold
- 1x
Bilt Travel - Hotels
- Bilt Obsidian
- 4x
- Amex Gold
- 1x
| Category | Bilt Obsidian | Amex Gold |
|---|---|---|
| Amex Travel - Car Rentals / Cruises | 1x | 2x |
| Amex Travel - Flights | 1x | 3x |
| Amex Travel - Hotels | 1x | 5x |
| Bilt Travel - Flights | 3x | 1x |
| Bilt Travel - Hotels | 4x | 1x |
These cards earn different reward currencies, so no highest rate is labeled; a larger multiplier does not necessarily mean more value. 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 Obsidian
- $0/yr estimated usableUp to $100/yrConditional
- Amex Gold
- —
Uber Cash
- Bilt Obsidian
- —
- Amex Gold
- $60/yr estimated usableUp to $120/yrEasy to use
Dining Credit
- Bilt Obsidian
- —
- Amex Gold
- $120/yr estimated usableEasy to use
Resy Dining Credit
- Bilt Obsidian
- —
- Amex Gold
- $0/yr estimated usableUp to $100/yrConditional
Dunkin' Credit
- Bilt Obsidian
- —
- Amex Gold
- $0/yr estimated usableUp to $84/yrConditional
Estimated usable credit value
- Bilt Obsidian
- —
- Amex Gold
- $180/yr
Maximum face value
- Bilt Obsidian
- $100/yr
- Amex Gold
- $424/yr
| Credit | Bilt Obsidian | Amex Gold |
|---|---|---|
| Bilt Travel Hotel Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Uber Cash | — | $60/yr estimated usable Up to $120/yr Easy to use |
| Dining Credit | — | $120/yr estimated usable Easy to use |
| Resy Dining Credit | — | $0/yr estimated usable Up to $100/yr Conditional |
| Dunkin' Credit | — | $0/yr estimated usable Up to $84/yr Conditional |
| Estimated usable credit value | — | $180/yr |
| Maximum face value | $100/yr | $424/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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