Bilt Obsidian vs Bilt Palladium
Side-by-side comparison
| Bilt Obsidian | Bilt Palladium | |
|---|---|---|
| Annual fee | $95 | $495 |
| Welcome offer | $200 in Bilt Cash on account opening | 50,000 points + Gold Status + $300 Bilt Cash after $4,000 in 90 days |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 1x | 2x |
| Travel | 2x | 2x |
| Streaming | 1x | 2x |
| Everything else | 1x | 2x |
| Est. yearly rewards* | $490 | $583 |
| Points type | Transfers to airlines & hotels | 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 Bilt Obsidian earns about $490 a year in rewards and the Bilt Palladium about $583, valuing every point at a flat 1 cent. The Bilt Obsidian charges $95, but carries about $300 in annual statement credits that offset it for anyone who uses them. The Bilt Palladium charges $495, but carries about $600 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 $156 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and dining. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Bilt Palladium currently has the larger welcome offer. 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 dining, groceries. Pick the Bilt Palladium if your spending leans toward gas, streaming, everything else.