Comparison 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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