Monthly spending. We rank on rewards minus the full annual fee, so statement credits and perks are listed separately and never counted for you.
Choosing between the Bilt Obsidian Card ($95/yr) and the Chase Sapphire Reserve® Credit Card ($795/yr) comes down to where you spend most. Chase Sapphire Reserve needs about $1,460 a month in flights or hotels, counting that spending alone, to make up its $700 higher annual fee over Bilt Obsidian Card. Below that, Bilt Obsidian Card comes out ahead. Enter your monthly spending above to see which comes out ahead for you.
Strongest in dining at 3%. 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage.
Perfect if: You want a strong rewards rate with no spending caps to worry about.
Apply NowStrongest in flights and hotels at 4%. 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining.
Perfect if: You book through the issuer's own site and want premium perks to offset the fee.
Apply Now| Feature | Bilt Obsidian Card | Chase Sapphire Reserve |
|---|---|---|
| Annual Fee | $95 | $795 |
| Sign-Up Bonus | None | 100,000 points after $6,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1% |
| Flights Rewards | 2% | 4% |
| Hotels Rewards | 2% | 4% |
| Other travel Rewards | 2% | 1% |
| Dining Rewards | 3% | 3% |
| Rates with conditions not counted in the rows above |
4% on hotels through Bilt Travel Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. 3% on flights through Bilt Travel Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. 3% on Lyft Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
8% through Chase Travel Earns 8% only on travel booked through Chase Travel, Chase's own booking site. Flights and hotels booked direct earn 4%. |
| Key Benefits | 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage. | 8x on Chase Travel, 4x on flights and hotels booked direct, 3x on dining. |
Chase Sapphire Reserve wins on travel.
The $700/year fee difference means Chase Sapphire Reserve needs to earn about that much more in rewards to justify its cost.
Bilt Obsidian Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Chase Sapphire Reserve carries $2,418/year in credits (mostly tied to specific merchants or bookings). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Not sure which fits your life? Enter your spending below and we’ll do the math. The calculator ranks purely on rewards minus the full annual fee, so credits and perks are yours to judge.