Bilt Obsidian Card vs Navy Federal Flagship Premier Visa Signature

Bilt Obsidian CardBilt Obsidian Card

Bilt

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Navy Federal Flagship Premier Visa SignatureNavy Federal Flagship Premier Visa Signature

Navy Federal

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Annual Fee
$95
$95
Card Type
Personal
Personal
Rewards Currency
Bilt Points
Navy Federal Points
Point Value
2.00¢/pt
1.00¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
$200 in Bilt Cash when you open the card
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Effective return by category

CategoryBilt Obsidian CardNavy Federal Flagship Premier Visa Signature
Dining & Restaurants6.00%
3x
3.00%
3x
Groceries6.00%
3x · Capped Spending · $25,000 cap
1.00%
1x
Travel4.00%
2x
4.00%
4x
Card Travel Portals4.00%
2x
4.00%
4x
Airfare4.00%
2x
4.00%
4x
Hotels & Lodging4.00%
2x
4.00%
4x
Car Rentals4.00%
2x
4.00%
4x
Rent2.00%
1x
0.00%
0x
Mortgage2.00%
1x
0.00%
0x
Everything else2.00%
1x
1.00%
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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