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Compare Cards: Bilt Blue Card vs. Bilt Obsidian Card vs. Wells Fargo Active Cash
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| Earning Rates | |||
|---|---|---|---|
First-year value Welcome offer + annual credits − annual fee | +$100 | +$205 | +$100 |
| Annual Fee | Waived | $95 | Waived |
| Credit Required | Good to Excellent | Good to Excellent | Good |
| Foreign Fee | Waived | Waived | Waived |
| Welcome Offer | $100 $100 Bilt Cash upon approval — no minimum spend required. 0 | $200 Sign-up bonus: $200 of Bilt Cash when you apply and get approved (spend across the Bilt ecosystem). 0 | $100 Earn a $100 cash rewards bonus when you spend $500 in purchases in the first 3 months. Spend $500 in 3 mo |
| Network | mastercard | mastercard | visa |
| Earning Rates | |||
| All Purchases | — | — | 2× |
| all | 1× | 1× | — |
| bilt_cash_option | 4× | — | — |
| bilt_partner_restaurants | — | 6× | — |
| bilt_travel_portal | — | 4× | — |
| choice_dining_or_grocery | — | 3× | — |
| lyft | — | 3× | — |
| other_travel | — | 2× | — |
| rent_mortgage | — | 1.25× | — |
| Benefits & Credits | Annual Credits
| — | |
| Insurance | |||