Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt World Elite Mastercard (no annual fee) and the Bilt Obsidian Card ($95/yr) comes down to where you spend most. Bilt World Elite Mastercard comes out ahead of Bilt Obsidian Card at every spending level on the rates you earn anywhere: Bilt Obsidian Card never earns enough more to cover its $95 higher annual fee. Enter your monthly spending above to see which comes out ahead for you.
Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. Earns a solid 4.0% on everything else.
Perfect if: You want solid rewards without paying an annual fee.
Apply NowStrongest in dining at 3%. 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply Now| Feature | Bilt World Elite Mastercard | Bilt Obsidian Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 4% | 1% |
| Travel Rewards | 4% | 2% |
| Dining Rewards | 4% | 3% |
| Rates with conditions not counted in the rows above |
None |
4% on hotels through Bilt Travel Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. 3% on flights through Bilt Travel Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
| Key Benefits | Up to 1x points on rent/mortgage, 4% Bilt Cash on everyday spend. | 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage. |
Bilt World Elite Mastercard pulls ahead for travel, dining, groceries, gas spending.
The $95/year fee difference means Bilt Obsidian Card needs to earn about that much more in rewards to justify its cost.
Bilt Obsidian Card carries $100/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.