Bilt Obsidian vs JetBlue Plus
Side-by-side comparison
| Bilt Obsidian | JetBlue Plus | |
|---|---|---|
| Annual fee | $95 | $99 |
| Welcome offer | $200 Bilt Cash + 50,000 points | 70,000 bonus points |
| Dining | 3x | 2x |
| Groceries | 3x | 2x |
| Gas | 1x | 1x |
| Travel | 2x | 1x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $490 | $382 |
| Points type | Transfers to airlines & hotels | Locked to JetBlue TrueBlue |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified July 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Bilt Obsidian | JetBlue Plus |
|---|---|---|
| Welcome bonus | $200 Bilt Cash + 50,000 points | 70,000 bonus points |
| To earn it | $4,000 in 3 months | $1,000 in 90 days |
| Est. first-year value* | $1,395 | $1,083 |
| Est. ongoing value / yr* | $695 | $383 |
The Bilt Obsidian wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Bilt Obsidian | JetBlue Plus |
|---|---|---|
| Lounge access | None | None |
| Annual credits | ~$300/yr (2 credits) | ~$100/yr (2 credits) |
| Points & redemptions | Transferable to airline & hotel partners | Locked to a single program |
On perks and redemptions, the Bilt Obsidian carries the heavier credit stack (about $300 a year); the Bilt Obsidian earns transferable points with a higher redemption ceiling, while the other is capped nearer a flat cent. Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Only the Bilt Obsidian earns transferable points. Its Bilt Rewards move to Alaska / Atmos, Air Canada, World of Hyatt, American Airlines, and Turkish, where a point can be worth several cents on a premium-cabin redemption, far above its cash value. The JetBlue Plus stays locked to a single airline or hotel program, so its ceiling is nearer a penny per point no matter how you redeem.
One is a flexible rent-and-dining card, the other a JetBlue co-brand, so it depends on whether you rent-and-dine or fly JetBlue.
The Obsidian rewards rent, which almost nothing does, plus 3x dining and groceries, transferring to premium partners. The JetBlue Plus gives a free checked bag that can cover its fee and elevated TrueBlue earning. Flexible points vs JetBlue travel.
Pros and cons
- Transferable points on rent, plus 3x dining and groceries
- Transfers to strong airline and hotel partners
- Great for a renter who travels
- Only $95
- 1x on gas and general spend
- Best value needs Bilt’s ecosystem
- No airline-specific perks
- Free first checked bag on JetBlue (can cover the fee)
- Elevated TrueBlue earning on JetBlue
- Points toward Mosaic status
- A big TrueBlue bonus
- Points locked to JetBlue
- JetBlue’s network is regional
- Modest everyday earning
- No value if you don’t fly JetBlue
Where each one wins
| Category | Winner | Why |
|---|---|---|
| Rent | Bilt Obsidian | Points on rent the JetBlue card can’t earn. |
| Airline perks | JetBlue Plus | A free bag and Mosaic progress. |
| Flexibility | Bilt Obsidian | Transferable points vs JetBlue-only. |
| Annual fee | Bilt Obsidian | $95 vs $99. |
| Best for | Depends | Renters vs JetBlue flyers. |
The verdict
If you rent, the Obsidian is the more broadly useful card, rewarding rent and 3x dining and groceries with flexible points, all for $95.
If you fly JetBlue, the Plus earns its keep, the free checked bag can cover the fee and you build toward Mosaic status. Same rough price, different lives: a renter’s flexible card versus a JetBlue flyer’s co-brand. Choose by which fits your spending and travel.