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3 cards side by side

Bilt Blue Card vs Bilt Obsidian Card vs Bilt Palladium Card

At a glance
  • Lowest annual fee: Bilt Blue Card — $0, vs Bilt Obsidian Card $95 and Bilt Palladium Card $495.
  • Foreign transaction fee: not confirmed for Bilt Blue Card, so we don't say which is lower.
  1. Bilt Blue CardBilt Rewards4 of 8 facts on file · annual fee checked Oct 2026
  2. Bilt Obsidian CardBilt Rewards4 of 8 facts on file · annual fee checked Sep 2026
  3. Bilt Palladium CardBilt Rewards4 of 8 facts on file · annual fee checked Sep 2026
Annual feePer year. Lower is marked only when every fee has been verified against the issuer.
Bilt Blue Card
$0LowerNo annual fee
Bilt Obsidian Card
$95
Bilt Palladium Card
$495
Foreign transaction feeAdded to purchases in another currency. Lower is marked only when a published issuer or regulator document confirms every card's fee.Not confirmed for Bilt Blue Card, so no card is marked lower.
Bilt Blue Card
Not confirmed
Bilt Obsidian Card
0%
Bilt Palladium Card
0%
Welcome offerAs the issuer describes it. Offers change often, so check the terms before you apply.
Bilt Blue Card
$100 of Bilt Cash when you apply and get approved
Bilt Obsidian Card
Not confirmed
Bilt Palladium Card
Not confirmed
Listed underThe sections of this site the card appears in.
Bilt Blue Card
Rewards
Bilt Obsidian Card
Rewards, Travel
Bilt Palladium Card
Lounge Access, Premium, Rent, Rewards, Travel, Welcome Bonus
NetworkSame on allWhere the card is accepted.
Bilt Blue Card
Mastercard
Bilt Obsidian Card
Mastercard
Bilt Palladium Card
Mastercard
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Not confirmed for any of these cards: Purchase interest (APR), Top earn rates, Rewards program. We leave these out rather than show a row of blanks — check the issuer’s own terms for them.

Lower lowest figure, marked only when every card’s figure is confirmed by the issuer’s or a regulator’s published document Not confirmed: we hold no checked figure — a blank is not a claim of zero On file, but not yet checked with the issuer — confirm it on their own page

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  • Bilt Blue Card
  • Bilt Obsidian Card
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The bottom line

Which one?

Cost is only half of it. Match each card’s earn rates and welcome offer to where your money actually goes, confirm anything marked “not confirmed” with the issuer, then open the full review for the card that fits.

Bilt Blue Card reviewBilt Obsidian Card reviewBilt Palladium Card review
Questions

Frequently asked

Which is cheaper, Bilt Blue Card or Bilt Obsidian Card or Bilt Palladium Card?

On annual fee, Bilt Blue Card is the lower-cost option. Weigh the fee against the rewards and perks each card actually delivers for your spending.

Can I hold Bilt Blue Card, Bilt Obsidian Card and Bilt Palladium Card at the same time?

In most cases, yes. Holding cards from different issuers is common and can help you cover more spending categories. Check each issuer's own policies for any restrictions.

Are these cards available in United States?

Every card in this comparison is issued for United States. Approval depends on each issuer's credit and income criteria.