Bilt Obsidian vs Capital One Savor
Side-by-side comparison
| Bilt Obsidian | Capital One Savor | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | $200 in Bilt Cash on account opening | |
| Dining | 3x | 3x |
| Groceries | 3x | 3x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 3x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $490 | $484 |
| Points type | Transfers to airlines & hotels | Pools with Capital One → transferable |
| 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 Capital One Savor about $484, 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 Capital One Savor has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Bilt Obsidian delivers more total value, about $61 a year more for a typical spender, mostly because it earns more where you spend most, on travel. 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 Capital One Savor 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 travel. Pick the Capital One Savor if your spending leans toward streaming.