Bilt Obsidian vs Amex Gold
Bilt Obsidian earns more on travel, hotels and transit; American Express Gold Card earns more on dining, groceries and airfare.
- Updated October 17, 2026
- 12 categories compared
- No sponsored picks
Which one suits you
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Pick it if
Most of your spending is on travel, hotels and transit.
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Pick it if
Most of your spending is on dining, groceries and airfare.
American Express Gold Card costs $230 more a year. On dining it earns $1.50 more per $100, so it makes up the difference after about $15,300 a year of dining.
Rates change, so verify them with the issuer before you apply.
Category by category
What each card earns on a $100 purchase, with points at typical values and every bonus cap unused.
| Category | Bilt Obsidian | American Express Gold Card | Earns more |
|---|---|---|---|
| Dining | $4.50 4.5% | $6.00 6% | American Express Gold Card (+$1.50) |
| Groceries | $4.50 4.5% | $6.00 6% | American Express Gold Card (+$1.50) |
| Gas | $1.50 1.5% | $1.50 1.5% | Tie |
| Travel | $3.00 3% | $1.50 1.5% | Bilt Obsidian (+$1.50) |
| Airfare | $3.00 3% | $4.50 4.5% | American Express Gold Card (+$1.50) |
| Hotels | $3.00 3% | $1.50 1.5% | Bilt Obsidian (+$1.50) |
| Transit | $3.00 3% | $1.50 1.5% | Bilt Obsidian (+$1.50) |
| Streaming | $1.50 1.5% | $1.50 1.5% | Tie |
| Drugstores | $1.50 1.5% | $1.50 1.5% | Tie |
| Online shopping | $1.50 1.5% | $1.50 1.5% | Tie |
| Wholesale clubs | $1.50 1.5% | $1.50 1.5% | Tie |
| Everything else | $1.50 1.5% | $1.50 1.5% | Tie |
| Annual fee | $95 | $325 |