Bilt Obsidian vs Citi Double Cash®
Side-by-side comparison
| Bilt Obsidian | Citi Double Cash® | |
|---|---|---|
| Annual fee | $95 | No annual fee |
| Welcome offer | $200 in Bilt Cash on account opening | $200 cash back |
| 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 | Pools with Citi → 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 Citi Double Cash® 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 Citi Double Cash® has no annual fee, so its rewards are all profit. Counting rewards, fees, and any credits, the Citi Double Cash® delivers more total value, about $39 a year more for a typical spender, mostly because it earns more where you spend most, on everything else and gas. 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 two are currently comparable in size. 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 Citi Double Cash® if your spending leans toward gas, streaming, everything else.