Prime Visa vs Bilt Obsidian
Side-by-side comparison
| Prime Visa | Bilt Obsidian | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $200 Amazon Gift Card upon approval | $200 in Bilt Cash on account opening |
| Dining | 2x | 3x |
| Groceries | 5x | 3x |
| Gas | 2x | 1x |
| Travel | 1x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $590 | $490 |
| Points type | Cash back only | 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 Prime Visa earns about $590 a year in rewards and the Bilt Obsidian about $490, valuing every point at a flat 1 cent. The Prime Visa has no annual fee, so its rewards are all profit. 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 Prime Visa delivers more total value, about $121 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and gas. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Prime Visa pays plain cash back. Favor the Bilt Obsidian if you will use travel transfers, the Prime Visa if you want simplicity. On the sign-up bonus, the two are currently comparable in size. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Prime Visa if your spending leans toward groceries, gas. Pick the Bilt Obsidian if your spending leans toward dining, travel.