Column N.A. Bilt Obsidian Card vs Bilt Palladium Card
Both are Column N.A. cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Bilt Palladium Card 4.4% 2x base rate
- Bilt Obsidian Card 2.2% 1x base rate
Travel
- Bilt Obsidian Card 4.4% 2x
- Bilt Palladium Card 4.4% 2x base rate
Lyft
- Bilt Palladium Card 8.8% 4x
- Bilt Obsidian Card 6.6% 3x
What the numbers are doing
Bilt Obsidian Card lets you choose one category to earn 3x on. This table assumes nothing is chosen yet, so it earns its base rate everywhere; choose in the generator to see where it lands.
The table is earn rate only — annual fees are not netted out of it. These cards charge Bilt Obsidian Card $95 and Bilt Palladium Card $495 a year, so a thin lead in one category may not cover the difference.
Where they differ: Bilt Palladium Card takes everything else and lyft. Bilt Obsidian Card wins nothing outright in this wallet.
| Category | Best card |
|---|---|
| Everything else | Bilt Palladium Card4.4% |
| Travel | Bilt Obsidian Card4.4% |
| Lyft | Bilt Palladium Card8.8% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Bilt Palladium Card — 4.4%
- Bilt Obsidian Card — 2.2%
Travel
- Bilt Obsidian Card — 4.4%
- Bilt Palladium Card — 4.4%
Lyft
- Bilt Palladium Card — 8.8%
- Bilt Obsidian Card — 6.6%
This link hands the pass straight to Wallet, no app and no account — its first three rows; the app unlocks every row.
iPhone app · not yet released
Preview this set of cards. The first three rows are free, whatever cards you hold; every row and every feature is $9.99 once, in the app. See the free combos.
Open this ranking in the generatorA cheat sheet in your Wallet that tells you which card to use. No account, no bank linking, no subscription.