Card comparison · Cardless
Bilt Blue vs Bilt Obsidian
The Bilt Blue ($0 annual fee) ranks #39 and the Bilt Obsidian ($95) ranks #18 of the 294 credit cards we score. Here they are side by side, from our card database.
Side by side
| Bilt Blue | Bilt Obsidian | |
|---|---|---|
| Issuer | Cardless | Cardless |
| Annual fee | $0 | $95 |
| Welcome offer | $100 Bilt Cash when you apply and are approved. | $200 Bilt Cash when you apply and are approved. |
| Rewards |
|
|
| Intro APR | purchases 12 months | purchases 12 months |
| Ongoing APR | 26.74%-34.74% variable | 26.74%-34.74% variable |
| Balance transfer fee | — | — |
| Foreign transaction fee | — | None |
| Our overall score | 61 (#39 of 294) | 65 (#18 of 294) |
| Grocery ranking | not in this list | #4 of 57 |
| Dining ranking | not in this list | #1 of 67 |
| Travel ranking | not in this list | #16 of 47 |
| Apply now | Apply now |
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
Which one fits you
- Higher overall score: Bilt Obsidian (65 vs 61). Our score weighs rewards value, fees, the welcome offer and APR; see how we score cards.
- Lower annual fee: Bilt Blue, by $95 a year ($0 vs $95). The pricier card has to earn at least $95 more in rewards or credits you actually use to come out ahead.
- Grocery: only Bilt Obsidian is in our grocery ranking (#4 of 57).
- Dining: only Bilt Obsidian is in our dining ranking (#1 of 67).
- Travel: only Bilt Obsidian is in our travel ranking (#16 of 47).
How we compared them
Every figure comes from our card database (checked against each issuer’s site) as of October 21, 2026 and is shown as stored, without our own estimates. Ranks use our overall score and, for categories, the score each category ranking is built on. Neither card can pay to rank higher, and partner links never change a score or an order. Terms apply; confirm current terms with the issuer before applying.
Frequently asked questions
Is the Bilt Blue better than the Bilt Obsidian?
By our overall score the Bilt Obsidian ranks higher (65 vs 61), but the better card is the one that fits your spending: compare the rewards rows above with where you spend most, and whether you'd use enough of the higher-fee card's benefits to cover its fee.
Which has the lower annual fee, Bilt Blue or Bilt Obsidian?
The Bilt Blue: $0 vs $95, as stored in our database.
What are the welcome offers on the Bilt Blue and Bilt Obsidian?
Bilt Blue: $100 Bilt Cash when you apply and are approved. Bilt Obsidian: $200 Bilt Cash when you apply and are approved. Offers change often; terms apply.
Which is better for everyday categories like dining, groceries or travel?
Grocery: only Bilt Obsidian is in our grocery ranking (#4 of 57). Dining: only Bilt Obsidian is in our dining ranking (#1 of 67). Travel: only Bilt Obsidian is in our travel ranking (#16 of 47).