Aeroplan® Credit Card vs Bilt Obsidian
Side-by-side comparison
| Aeroplan® Credit Card | Bilt Obsidian | |
|---|---|---|
| Annual fee | $95 | $95 |
| Welcome offer | 75,000 points | $200 in Bilt Cash on account opening |
| Dining | 3x | 3x |
| Groceries | 3x | 3x |
| Gas | 1x | 1x |
| Travel | 3x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $508 | $490 |
| Points type | Locked to Air Canada Aeroplan | Transfers to airlines & hotels |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of household spending, the Aeroplan® Credit Card earns about $508 a year in rewards and the Bilt Obsidian about $490, valuing every point at a flat 1 cent. The Aeroplan® Credit Card charges $95, which you clear through its rewards and perks. The Bilt Obsidian charges $95, but carries about $300 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Bilt Obsidian delivers more total value, about $132 a year more for a typical spender, mostly because it carries more in annual statement credits. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Aeroplan® Credit Card stays locked to a single airline or hotel program. Favor the Bilt Obsidian if you will use travel transfers, the Aeroplan® Credit Card if you want simplicity. On the sign-up bonus, the Aeroplan® Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Aeroplan® Credit Card if your spending leans toward travel.