Bilt Obsidian review
Its best category is groceries, at 4.5% back, though other cards earn more there.
- Updated October 17, 2026
- $95 annual fee
- Earns Bilt points
- 106 cards compared
Who it suits
Bilt Obsidian
- Earns the most on groceries: $4.50 back on $100, #4 of 106.
- At Lyft: $4.50 back on $100 (4.5%).
- It costs $95 a year, and Chase Freedom Flex, with no annual fee, earns as much or more on groceries right now.
Rates change, so verify them with the issuer before you apply.
See if it beats your cards on groceriesWhere it earns the most
What it earns on a $100 purchase in each category, and where that places it among the 106 cards we track.
| Category | On $100 | Rank |
|---|---|---|
| Dining | $4.50 4.5% | #5 of 106 |
| Groceries | $4.50 4.5% | #4 of 106 |
| Gas | $1.50 1.5% | #64 of 106 |
| Travel | $3.00 3% | #5 of 106 |
| Airfare | $3.00 3% | #13 of 106 |
| Hotels | $3.00 3% | #10 of 106 |
| Transit | $3.00 3% | #9 of 106 |
| Streaming | $1.50 1.5% | #39 of 106 |
| Drugstores | $1.50 1.5% | #30 of 106 |
| Online shopping | $1.50 1.5% | #30 of 106 |
| Wholesale clubs | $1.50 1.5% | #28 of 106 |
| Everything else | $1.50 1.5% | #27 of 106 |