Best card to pair with the Bilt Obsidian
Robinhood Gold Card adds the most next to it: together they keep $617 a year after both fees from typical spending, $154 more than the Obsidian on its own.
- Updated October 17, 2026
- $22,300 a year of spending
- Rankings are never paid for
Best pair
Keeps $617 a year after fees
- Earns $762 a year on the spending below; fees come to $145.
- That's $154 more than the Obsidian alone ($463).
- Bilt Obsidian counted with Groceries picked as its 3x category.
- Robinhood Gold Card needs Robinhood Gold ($50 a year), counted in the fees.
Rates change, so verify them with the issuer before you apply.
The best partners
What each card adds to the Obsidian in a year, after its own fee, with every purchase on whichever of the two earns more. On its own, the Obsidian keeps $463 a year after fees.
| Partner | Adds a year | Together | Its fee |
|---|---|---|---|
| #1 Robinhood Gold Card | +$154 | $617 | $50 |
| #2 American Express Blue Cash Preferred | +$142 | $605 | $95 |
| #3 U.S. Bank Altitude Go Visa Signature | +$110 | $573 | $0 |
| #4 Wells Fargo Autograph | +$94 | $557 | $0 |
| #5 Barclays Wyndham Rewards Earner | +$94 | $557 | $0 |
Which card to use
A year of spending, each purchase on the card that earns the most on it. When a bonus runs out at its cap, the rest goes on the next best card.
| Category | Spend a year | Use | Earns |
|---|---|---|---|
| Groceries | $6,200 | Bilt Obsidian | $279 4.5% |
| Dining | $3,900 | Robinhood Gold Card | $117 3% |
| Gas | $2,400 | Robinhood Gold Card | $72 3% |
| Travel | $2,500 | Robinhood Gold Card | $75 3% |
| Drugstores | $700 | Robinhood Gold Card | $21 3% |
| Everything else | $6,600 | Robinhood Gold Card | $198 3% |
| Total | $22,300 | $762 |