Bilt Obsidian
Bilt
$95/yrBilt RewardsNo foreign feeMastercardUsually needs 670+
View issuer offerComparison brief
Bilt Obsidian vs. Bilt Palladium
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Palladium charges $495 versus Obsidian’s $95, and swaps Obsidian’s pick-one 3x dining-or-groceries choice for a flatter 2x across dining, groceries, and travel at once, plus an automatic $200/year Bilt Cash deposit. Both cards share the same rent-earning tiers, so the extra fee has to be justified by category spend and credit usage, not rent.
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Overview
Bilt Palladium
Bilt
$495/yrBilt RewardsNo foreign feeMastercardUsually needs 750+
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
Dining
- Bilt Obsidian
- 1x
- Bilt Palladium
- 2xHighest
Flights outside issuer portals
- Bilt Obsidian
- 2x
- Bilt Palladium
- 2x
Groceries — in store
- Bilt Obsidian
- 1x
- Bilt Palladium
- 2xHighest
Groceries — online
- Bilt Obsidian
- 1x
- Bilt Palladium
- 2xHighest
Hotels outside issuer portals
- Bilt Obsidian
- 2x
- Bilt Palladium
- 2x
Other travel outside issuer portals
- Bilt Obsidian
- 1x
- Bilt Palladium
- 2xHighest
Travel - Car Rentals / Agencies / Cruises
- Bilt Obsidian
- 2x
- Bilt Palladium
- 2x
Everything else
- Bilt Obsidian
- 1x
- Bilt Palladium
- 2xHighest
| Category | Bilt Obsidian | Bilt Palladium |
|---|---|---|
| Dining | 1x | 2xHighest |
| Flights outside issuer portals | 2x | 2x |
| Groceries — in store | 1x | 2xHighest |
| Groceries — online | 1x | 2xHighest |
| Hotels outside issuer portals | 2x | 2x |
| Other travel outside issuer portals | 1x | 2xHighest |
| Travel - Car Rentals / Agencies / Cruises | 2x | 2x |
| Everything else | 1x | 2xHighest |
Issuer travel portals 2 categories — only earned when you book through that issuer’s portal
Bilt Travel - Flights
- Bilt Obsidian
- 3x
- Bilt Palladium
- 3x
Bilt Travel - Hotels
- Bilt Obsidian
- 4x
- Bilt Palladium
- 4x
| Category | Bilt Obsidian | Bilt Palladium |
|---|---|---|
| Bilt Travel - Flights | 3x | 3x |
| Bilt Travel - Hotels | 4x | 4x |
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 Obsidian
- $0/yr estimated usableUp to $100/yrConditional
- Bilt Palladium
- —
Bilt Cash Benefit
- Bilt Obsidian
- —
- Bilt Palladium
- $200/yr estimated usableEasy to use
Bilt Travel Hotel Credit
- Bilt Obsidian
- —
- Bilt Palladium
- $0/yr estimated usableUp to $400/yrConditional
Estimated usable credit value
- Bilt Obsidian
- $0/yr
- Bilt Palladium
- $200/yr
Maximum face value
- Bilt Obsidian
- $100/yr
- Bilt Palladium
- $600/yr
| Credit | Bilt Obsidian | Bilt Palladium |
|---|---|---|
| Bilt Travel Hotel Credit | $0/yr estimated usable Up to $100/yr Conditional | — |
| Bilt Cash Benefit | — | $200/yr estimated usable Easy to use |
| Bilt Travel Hotel Credit | — | $0/yr estimated usable Up to $400/yr Conditional |
| Estimated usable credit value | $0/yr | $200/yr |
| Maximum face value | $100/yr | $600/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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