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 Marriott Bonvoy Boundless® Credit Card ($95/yr) comes down to where you spend most. Both cost $95 a year, so it comes down to where you spend: Bilt Obsidian Card earns more on dining, flights, hotels and other travel, Marriott Bonvoy Boundless on groceries, gas and other purchases. 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 dining at 3% (up to $6,000/yr). 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. Earns a solid 2.0% on everything else.
Perfect if: Your monthly spending stays within the bonus cap for maximum value.
Apply Now| Feature | Bilt Obsidian Card | Marriott Bonvoy Boundless Credit Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Sign-Up Bonus | None | 3 free nights after $3,000 spend in 3 months |
| Foreign Transaction Fee | 0% | 0% |
| Base Reward Rate | 1% | 2% |
| Travel Rewards | 2% | 2% |
| Dining Rewards | 3% | 3% (up to $6,000/yr) |
| Groceries Rewards | 1% | 3% (up to $6,000/yr) |
| Gas Rewards | 1% | 3% (up to $6,000/yr) |
| 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%. |
6% at Marriott hotels Earns 6% only on stays at participating Marriott hotels. Travel booked anywhere else earns the flat 2%. |
| Key Benefits | 3x on dining or grocery (your choice), 4x on hotels through Bilt Travel, up to 1.25x on rent and mortgage. | 6x at Marriott hotels, 3x on dining, groceries, and gas (first $6,000 combined each year). Free Night Award annually. |
Marriott Bonvoy Boundless Credit Card wins on groceries, gas.
Bilt Obsidian Card carries $100/year in credits (mostly tied to specific merchants or bookings), while Marriott Bonvoy Boundless Credit 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.
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.