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 Mastercard® Titanium Card® ($299/yr) comes down to where you spend most. Both cards can deliver real value. Let’s break it down, then run your numbers to find the winner.
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.
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2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus. Earns 1X points on everything else.
Perfect if: You spend enough in bonus categories to easily offset the annual fee.
Beyond the points: Built for benefits over raw earn rate: Priority Pass Select lounge access with unlimited guest visits, 24/7 concierge, and Luxury Card Travel perks averaging $750 per stay at 3,000+ properties, none of which show up in a points-only ranking.
Apply Now| Feature | Bilt Obsidian Card | Luxury Card Mastercard Titanium Card |
|---|---|---|
| Annual Fee | $95 | $299 |
| Sign-Up Bonus | None | None |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 1X points |
| Redemption Value | 1.0¢ per point | 2% redeemed for airfare, 1% redeemed for cash back |
| Travel Rewards | 2% | 1X points |
| Dining Rewards | 3% | 1X points |
| 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%. |
None |
| Key Benefits | 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage. | 2X points on airfare and hotels booked through LuxuryCardTravel.com, 1X on everything else; entry-level tier with unlimited-guest lounge access and 24/7 concierge, no welcome bonus. |
Bilt Obsidian Card pulls ahead for travel, dining spending.
The $204/year fee difference means Luxury Card Mastercard Titanium Card 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). Those only count if you’d actually use them. Worth checking against your own habits before treating them as a discount on the fee.
Rewards rates aren’t the whole story here. Lounge access, concierge service, travel protections, and statement credits can be worth more than a fraction of a percent in earn rate. See the key benefits above and weigh them against how you travel and spend.
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.