Atmos Rewards Summit vs Bilt Obsidian
Side-by-side comparison
| Atmos Rewards Summit | Bilt Obsidian | |
|---|---|---|
| Annual fee | $395 | $95 |
| Welcome offer | 100,000 bonus points + 25,000-point Global Companion Award (limited-time) | $200 in Bilt Cash on account opening |
| Dining | 3x | 3x |
| Groceries | 1x | 3x |
| Gas | 1x | 1x |
| Travel | 1x | 2x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $352 | $490 |
| Points type | Locked to Atmos 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 Atmos Rewards Summit earns about $352 a year in rewards and the Bilt Obsidian about $490, valuing every point at a flat 1 cent. The Atmos Rewards Summit charges $395, 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 $588 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and travel. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Atmos Rewards Summit stays locked to a single airline or hotel program. Favor the Bilt Obsidian if you will use travel transfers, the Atmos Rewards Summit if you want simplicity. On the sign-up bonus, the Atmos Rewards Summit currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Bilt Obsidian if your spending leans toward groceries, travel.