Compare Cards / Bilt Obsidian vs Bilt Palladium
Bilt Obsidian vs. Bilt Palladium
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.
Selected:Bilt ObsidianBilt Palladium
Want the Mathematically Optimal Setup?
Comparing cards manually only goes so far. The optimizer evaluates every possible combination to find the provably best setup for your exact spending.
Run the Optimizer — Free