Bank of America® Customized Cash Rewards Credit Card vs Bilt Obsidian Card

Bank of America® Customized Cash Rewards Credit CardBank of America® Customized Cash Rewards Credit Card

Bank of America

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Bilt Obsidian CardBilt Obsidian Card

Bilt

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Annual Fee
No Annual Fee
$95
Card Type
Personal
Personal
Rewards Currency
Cash Back
Bilt Points
Point Value
1.00¢/pt
2.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 after $1,000 in 90 days
$200 in Bilt Cash when you open the card

Effective return by category

CategoryBank of America® Customized Cash Rewards Credit CardBilt Obsidian Card
Groceries2.00%
2x · $2,500 cap
6.00%
3x · Capped Spending · $25,000 cap
Dining & Restaurants3.00%
3x · $2,500 cap
6.00%
3x
Travel3.00%
3x · $2,500 cap
4.00%
2x
Card Travel Portals1.00%
1x
4.00%
2x
Airfare1.00%
1x
4.00%
2x
Hotels & Lodging1.00%
1x
4.00%
2x
Car Rentals1.00%
1x
4.00%
2x
Gas Stations3.00%
3x · $2,500 cap
2.00%
1x
Amazon & Online Shopping3.00%
3x · $2,500 cap
2.00%
1x
Drugstores & Pharmacies3.00%
3x · $2,500 cap
2.00%
1x
Home Improvement3.00%
3x · $2,500 cap
2.00%
1x
Wholesale Clubs2.00%
2x · $2,500 cap
2.00%
1x
Rent0.00%
0x
2.00%
1x
Mortgage0.00%
0x
2.00%
1x
Everything else1.00%
1x
2.00%
1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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