Bilt Obsidian vs Choice Privileges® Mastercard®
Side-by-side comparison
| Bilt Obsidian | Choice Privileges® Mastercard® | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | $200 in Bilt Cash on account opening | 60,000 points |
| Dining | 3x | 1x |
| Groceries | 3x | 3x |
| Gas | 1x | 3x |
| Travel | 2x | 5x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $490 | $527 |
| Points type | Transfers to airlines & hotels | Locked to Choice Privileges |
| 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 Choice Privileges® Mastercard® about $527, 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 Choice Privileges® Mastercard® has no annual fee, so its rewards are all profit. The two are close on value, but the Bilt Obsidian edges ahead by about $18 a year, mostly because it earns more where you spend most, on dining. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the Choice Privileges® Mastercard® stays locked to a single airline or hotel program. Favor the Bilt Obsidian if you will use travel transfers, the Choice Privileges® Mastercard® if you want simplicity. On the sign-up bonus, the Choice Privileges® Mastercard® 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. Pick the Choice Privileges® Mastercard® if your spending leans toward gas, travel.