BiltBilt Obsidian Card
$95Bilt users with meaningful dining and grocery or travel spend
Housing rewards and Bilt Cash require careful rule reading
Check current offer This link goes to Bilt’s site. Dean earns nothing if you apply.Bilt Obsidian Card
Annual fee $95. 3X dining plus cardholder-selected grocery or travel bonus structure under current rules; housing rewards via Bilt system.
See if it fits my walletDean’s short answer
Best fit: Bilt users with meaningful dining and grocery or travel spend.
Rent or mortgage rewardsDiningGrocery or TravelTransferable points
This card and its closest alternatives
The 3 reviewed personal cards that share the most card types and features with the Bilt Obsidian Card.
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ChaseSapphire Preferred
$95Chase Sapphire Preferred
Same annual fee: $95. Best fit: Travelers wanting strong transfer partners at a mid-tier fee. Dean’s catalog lists it as: Transferable points, Travel, Dining.
Read Dean’s reviewCitiStrata Premier
$95Citi Strata Premier
Same annual fee: $95. Best fit: Travelers wanting broad 3X everyday categories. Dean’s catalog lists it as: Travel, Dining, Grocery, Gas, Transferable points.
Read Dean’s reviewAmerican ExpressGold Card
$325American Express Gold Card
Annual fee: $325, against $95 for the Bilt Obsidian Card. Best fit: High food spenders who can use the recurring credits. Dean’s catalog lists it as: Dining, Grocery, Transferable points.
Read Dean’s review| Card | Annual fee | Rewards and benefit summary | Best fit | Main drawback | Source |
|---|---|---|---|---|---|
| Bilt Obsidian CardBilt | $95 | 3X dining plus cardholder-selected grocery or travel bonus structure under current rules; housing rewards via Bilt systemTransfer partners; annual hotel credit under current terms; Bilt Cash | Bilt users with meaningful dining and grocery or travel spend | Housing rewards and Bilt Cash require careful rule reading | Bilt Checked 2026-07-22 |
| Sapphire PreferredChase | $95 | Bonus points on Chase Travel, dining, select streaming, online grocery, and broad travelAnnual Chase Travel hotel credit; transfer partners; trip and rental protections; application-fee credit under current terms | Travelers wanting strong transfer partners at a mid-tier fee | Portal and category rules; best value often requires transfers | Chase Checked 2026-07-22 |
| Strata PremierCiti | $95 | 10X portal hotels, car rentals, attractions; 3X air, hotels, dining, supermarkets, gas and EV; 1X other$100 annual hotel benefit on qualifying Citi Travel stay; transfer partners; travel protections | Travelers wanting broad 3X everyday categories | Hotel benefit requires qualifying portal booking | Citi Checked 2026-07-22 |
| Gold CardAmerican Express | $325 | 4X restaurants worldwide and U.S. supermarkets within terms; 3X flights booked direct or via Amex Travel; 1X otherUber Cash, dining, Resy, and Dunkin credits; Hotel Collection access; no foreign transaction fee | High food spenders who can use the recurring credits | U.S. supermarket cap and merchant restrictions; credits can create breakage | American Express Checked 2026-07-22 |
What it earns
3X dining plus cardholder-selected grocery or travel bonus structure under current rules; housing rewards via Bilt system.
What comes with it
Transfer partners; annual hotel credit under current terms; Bilt Cash.
Dean treats these as the reasons to hold the Bilt Obsidian Card. If you would not use them, the card is worth less to you than its marketing says.
- Transfer partners
- annual hotel credit under current terms
- Bilt Cash
Who can get it
Dean lists the Bilt Obsidian Card for good, excellent credit. It is a personal card. Availability: public national.
A listed credit range is a starting point, not an approval promise. Bilt decides approval, your credit limit, and your rate when you apply.
The catch
Housing rewards and Bilt Cash require careful rule reading.
Annual fee: $95. Dean checked the fee and terms against Bilt on July 22, 2026. Terms can change after that date, so read the live offer before you apply.
How a transferable points card works
Bank points can transfer to airline or hotel partners and can also be redeemed through a travel portal. Flexible travel partners, outsized award value, pooling across a card family.
Best for: Travelers willing to learn loyalty programs. Watch for: Poor redemptions, award availability, and transfer risk can erase value.
How a fixed-value travel rewards card works
Miles or points offset travel purchases at a defined rate. Simple travel redemptions with fewer blackout concerns.
Best for: Travelers who value ease over award optimization. Watch for: Travel-only redemptions can be less flexible than cash.
How a premium travel card works
High-fee cards bundle lounge access, travel credits, status, and protections. Airport lounges, hotel programs, travel credits, concierge, insurance.
Best for: Frequent travelers who naturally use the credits. Watch for: High fees and fragmented credits create breakage.
How a dining and food card works
Elevated rewards on restaurants, delivery, and sometimes groceries. Strong return on food spending and occasional dining credits.
Best for: Households that spend heavily on food. Watch for: Superstores, clubs, meal kits, and overseas dining can code differently.
How a grocery card works
Elevated rewards at supermarkets and grocery delivery. High return on a common household category.
Best for: Families and home cooks. Watch for: Walmart, Target, Costco, and other superstores often do not qualify.
How a balance transfer card works
Transferred debt receives a temporary low or 0% APR. Can reduce interest while paying down existing card debt.
Best for: Borrowers who can repay within the promotional period. Watch for: Transfer fees, deadlines, excluded same-issuer debt, and post-offer APR matter.
How a rent or mortgage rewards card works
Rewards housing payments through a special payment network or card program. Earns value on a large expense that normally has a fee.
Best for: Renters or homeowners who can follow program rules. Watch for: Transaction fees, required non-housing spend, and reward caps can apply.
How a investment-linked rewards card works
Cash back deposits into a brokerage, retirement, 529, or investing app. Automatic investing and potentially strong flat rewards.
Best for: People already using the linked financial platform. Watch for: Headline value can require a specific redemption or paid membership.
How a business travel card works
Business card with points, airline, hotel, or premium travel benefits. Employee cards, travel protections, lounges, category rewards, large-spend bonuses.
Best for: Businesses with recurring travel or advertising, shipping, and software spend. Watch for: High fees and portal requirements must match real company spend.
How a relationship rewards card works
Rewards or fee value increases with qualifying deposits or investments. Higher earning, fee credits, or exclusive access.
Best for: Customers willing to consolidate assets with one institution. Watch for: Opportunity cost and balance requirements can exceed card value.
Flat rewards: how to value it
Same rate on most eligible purchases.
Conditions to check: Excluded cash-like transactions and redemption value. Best for simplicity and uncategorized spend.
Transfer partners: how to value it
Moves bank points to airline or hotel loyalty programs.
Conditions to check: Transfer ratios, minimums, availability, expiration, and irreversible transfers. Transfer only after confirming an award.
Travel portal multiplier: how to value it
Higher rewards or credits for issuer-portal bookings.
Conditions to check: Portal price, cancellation rules, elite credit, and direct-booking benefits. Compare the total trip terms, not only the multiplier.
Sources and scope
Check the evidence, then check the live offer.
Dean links directly to the issuer. Card terms and eligibility can change after the review date.