Bilt Obsidian Card vs BILT World Elite Mastercard
Side-by-side comparison of rewards, fees, and benefits
Bilt Obsidian Card
Bilt (Column N.A.)
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BILT World Elite Mastercard
Wells Fargo
Too close to call: at a typical $24,000/yr spending profile these cards land within $10/yr of each other.
See the assumptions and math
Everyday profile: $24,000/yr across groceries, gas, dining, online shopping, streaming, and everything else. Signup bonuses excluded (first-year only). Statement credits counted at typical usage rates, not face value.
| Card | Rewards | Credits | Fee | Net/yr |
|---|---|---|---|---|
| Bilt Obsidian Card | $562 | $80 | -$95 | $547 |
| BILT World Elite Mastercard | $546 | $0 | -$0 | $546 |
Booking through the card issuer's travel site. Point values adjust automatically.
Simple Advanced view shows effective return rates (multiplier × point value) instead of just multipliers. | Bilt Obsidian CardBilt (Column N.A.) | BILT World Elite MastercardWells Fargo |
|---|---|---|
Annual Fee | $95 | $0 |
Sign-Up Bonus | - | - |
Point Value How much each point is worth in cents. This varies based on how you redeem (cash back, travel portal, or transfer partners). | 1.3¢(Travel Portal) | 1.3¢(Travel Portal) |
Dining | 3x | 3x |
Grocery | 1x | 1x |
Flights | 2x | 2x |
Hotels | 2x | 1x |
Gas | 1x | 1x |
Online Shopping | 1x | 1x |
Everything Else | 1x | 1x |
Fast Food Quick-service restaurants (MCC 5814). Most "dining" bonuses include fast food. | 3x | 3x |
Streaming Subscriptions like Netflix, Spotify, Disney+, etc. | 1x | 1x |
Internet Home internet and cable bills. | 1x | 1x |
Cell Phone Cell phone bills (may incur processing fees). | 1x | 1x |
Home Utilities Electricity, gas, water, sewer, trash. | 1x | 1x |
Travel/Airline Credit | - | - |
Est. Perks Value | - | - |
Lounge Access | No | No |
* Est. Perks Value: Requires enrollment; varies by usage. Excludes Travel/Airline Credit (shown separately).
Amex Platinum ($2,884): $600 FHR/THC hotel credit, $400 Resy dining, $300 lululemon, $300 digital entertainment, $320 Uber ($200 cash + $120 Uber One), $209 CLEAR+, $200 Oura, $155 Walmart+, $100 Saks, $300 Equinox.
CSR ($828): $420 DoorDash (DashPass + credits), $288 Apple TV+ and Apple Music, $120 Lyft credits.
Quick Verdict
Bilt Obsidian Card earns more on travel (2x hotels vs 1x). BILT World Elite Mastercard has a lower annual fee ($0 vs $95). Your best choice depends on where you spend the most.
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