Amazon Visa vs Bilt Obsidian
Side-by-side comparison
| Amazon Visa | Bilt Obsidian | |
|---|---|---|
| Annual fee | No annual fee | $95 |
| Welcome offer | $50 Amazon Gift Card upon approval | $200 in Bilt Cash on account opening |
| Dining | 2x | 3x |
| Groceries | 3x | 3x |
| Gas | 2x | 1x |
| Travel | 1x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $470 | $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 Amazon Visa earns about $470 a year in rewards and the Bilt Obsidian about $490, valuing every point at a flat 1 cent. The Amazon 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 Bilt Obsidian delivers more total value, about $44 a year more for a typical spender, mostly because it earns more where you spend most, on dining and travel. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Amazon Visa pays plain cash back. Favor the Bilt Obsidian if you will use travel transfers, the Amazon Visa if you want simplicity. On the sign-up bonus, the Bilt Obsidian currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Amazon Visa if your spending leans toward gas. Pick the Bilt Obsidian if your spending leans toward dining, travel.