Allegiant Allways Rewards Visa® vs Bilt Obsidian
Side-by-side comparison
| Allegiant Allways Rewards Visa® | Bilt Obsidian | |
|---|---|---|
| Annual fee | $59 | $95 |
| Welcome offer | 45,000 points | $200 in Bilt Cash on account opening |
| Dining | 2x | 3x |
| Groceries | 1x | 3x |
| Gas | 1x | 1x |
| Travel | 3x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $358 | $490 |
| Points type | Locked to Allegiant Allways Rewards | Transfers to airlines & hotels |
| Network | Visa | 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 Allegiant Allways Rewards Visa® earns about $358 a year in rewards and the Bilt Obsidian about $490, valuing every point at a flat 1 cent. The Allegiant Allways Rewards Visa® charges $59, 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 $246 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Allegiant Allways Rewards Visa® stays locked to a single airline or hotel program. Favor the Bilt Obsidian if you will use travel transfers, the Allegiant Allways Rewards Visa® if you want simplicity. On the sign-up bonus, the Allegiant Allways Rewards Visa® currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Allegiant Allways Rewards Visa® if your spending leans toward travel. Pick the Bilt Obsidian if your spending leans toward dining, groceries.