{"id":247461,"date":"2026-06-20T19:00:33","date_gmt":"2026-06-20T19:00:33","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/06\/20\/chase-sapphire-preferred-vs-bilt-obsidian-best-95-card-the-points-guy\/"},"modified":"2026-06-20T19:00:33","modified_gmt":"2026-06-20T19:00:33","slug":"chase-sapphire-preferred-vs-bilt-obsidian-best-95-card-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/06\/20\/chase-sapphire-preferred-vs-bilt-obsidian-best-95-card-the-points-guy\/","title":{"rendered":"Chase Sapphire Preferred vs. Bilt Obsidian: Best $95 card – The Points Guy"},"content":{"rendered":"


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If you’re weighing popular mid-tier travel cards, the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a><\/span>) and Bilt Obsidian Card<\/a><\/span> (see rates and fees<\/a><\/span>) are solid options.<\/p>\n

These cards each have a $95 annual fee (see Bilt Obsidian rates and fees<\/a><\/span>) and earn transferable points you can use to book flights and hotels.<\/p>\n

However, how you earn and redeem those points differs significantly. The Chase Sapphire Preferred is an all-around points earner<\/a><\/span>, while Bilt’s program is a good choice for earning rewards on housing<\/a><\/span>.<\/p>\n

There is also a key distinction in transfer ratios that may interest some hotel rewards maximizers. With the Chase Sapphire Preferred’s recent change<\/a><\/span> to its World of Hyatt<\/a><\/span> transfer rate, Bilt’s unchanged 1:1 transfer rate to Hyatt could be especially attractive to fans of the brand.<\/p>\n

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Chase Sapphire Preferred\u00ae Card<\/a><\/span> \u2014 Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/strong><\/p>\n

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To help you decide, here’s a side-by-side comparison of the Chase Sapphire Preferred and Bilt Obsidian.<\/p>\n

Chase Sapphire Preferred vs. Bilt Obsidian comparison<\/h2>\n
\n\n\n\n\n\n\n\n\n\n\n
Card<\/strong><\/th>\nChase Sapphire Preferred<\/strong><\/th>\nBilt Obsidian<\/strong><\/th>\n<\/tr>\n<\/thead>\n
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Earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/span><\/p>\n<\/td>\n

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Receive $200 in Bilt Cash when you apply and are approved.<\/p>\n

(Up to $100 of Bilt Cash earned rolls over to the next year.)<\/em><\/p>\n

<\/span><\/div>\n<\/td>\n<\/tr>\n
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$95<\/span><\/p>\n<\/td>\n

<\/tr>\n
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Chase Ultimate Rewards points\u00a0(worth 2.05 cents apiece)*
<\/span><\/span><\/p>\n<\/td>\n

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Bilt Points\u00a0(worth 2.2 cents apiece)* and Bilt Cash (if you choose)<\/span><\/p>\n<\/td>\n<\/tr>\n

\n\n
<\/p>\n
    \n
  • 5 points per dollar spent on all travel booked through Chase Travel\u2120, eligible Lyft rides (through Sept. 30, 2027) and eligible Peloton equipment and accessory purchases over $150 (through Dec. 31, 2027)<\/li>\n
  • 3 points per dollar spent on dining, gas and electric vehicle charging, vacation homes at multiple brands^, online grocery purchases (excluding Target, Walmart and wholesale clubs) and select streaming services<\/li>\n
  • 2 points per dollar spent on all other travel worldwide<\/li>\n
  • 1 point per dollar spent on all other purchases<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

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<\/p>\n
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<\/p>\n
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  • Annual $100\u00a0<\/span>hotel credit when you book through Chase Travel#<\/li>\n
  • DoorDash DashPass subscription (activation required) and monthly DoorDash credits on nonrestaurant purchases (through Dec. 31, 2027)<\/li>\n
  • Global Entry, TSA PreCheck or Nexus application fee credit<\/li>\n
  • One-year complimentary Apple TV subscription (when activated by Dec. 31)<\/li>\n
  • Travel and purchase protections<\/li>\n<\/ul>\n

    <\/span><\/div>\n<\/td>\n

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<\/p>\n
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None<\/span><\/p>\n<\/td>\n

<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

*Per TPG’s June 2026 valuations<\/a><\/span><\/em>
^Brands eligible for 3 points per dollar spent with the Sapphire Preferred: Airbnb, Vrbo, Plum Guide, HomeAway, Homestay.com and Vacasa<\/em>
#Sapphire Preferred cardholders receive up to $100 in statement credits for prepaid hotel stays booked through Chase Travel each anniversary year; current cardholders who have already used their $50 will receive an additional $50.<\/em>
**You won’t earn Bilt Cash if you opt for the tier-rewards option.<\/em>
***Tax payments do not earn points.<\/em><\/p>\n

Chase Sapphire Preferred vs. Bilt Obsidian welcome bonus<\/h2>\n

New Chase Sapphire Preferred<\/a><\/span> applicants earn 100,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<\/p>\n

TPG’s June 2026 valuations<\/a><\/span> place this offer at a whopping $2,050, matching the highest bonus we’ve seen in the card’s history<\/a><\/span>.<\/p>\n

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When applying for any Chase card, it’s important to keep the issuer’s 5\/24 rule<\/a><\/span> in mind. And, with the Sapphire Preferred, you’re limited to earning the bonus just once in your lifetime. So, if you’ve earned it before, you aren’t eligible for it again.<\/p>\n

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\"Handsome<\/div>
HALFPOINT IMAGES\/GETTY IMAGES<\/figcaption><\/figure>\n

Meanwhile, the Bilt Obsidian<\/a><\/span> provides new cardholders with $200 in Bilt Cash when they apply and are approved.<\/p>\n

Bilt Cash<\/a><\/span> can be redeemed inside the Bilt platform in multiple ways, including for fitness classes, hotel bookings, Lyft rides and, most notably, unlocking points on mortgage and rent payments. You can redeem $30 in Bilt Cash to earn 1,000 Bilt points on mortgage or rent payments, up to the full price of your housing payments.<\/p>\n

It’s worth noting that Bilt Cash cannot be transferred to travel partners, which is a key distinction from transferable Bilt points.<\/p>\n

With Bilt, you can’t apply for the Bilt Obsidian if you’re currently the primary cardholder of another Bilt card<\/a><\/span>, such as the Bilt Palladium Card<\/a><\/span> (see rates and fees<\/a><\/span>) or the Bilt Blue Card<\/a><\/span> (see rates and fees<\/a><\/span>).<\/p>\n

Winner<\/strong>: Chase Sapphire Preferred. Its bonus outpaces the Bilt Obsidian by a landslide, considering you only receive $200 in Bilt Cash and won’t receive any transferable Bilt points. However, the Bilt Obsidian offer doesn’t have a minimum spend requirement, which could be a positive for some cardholders.<\/p>\n

Chase Sapphire Preferred vs. Bilt Obsidian benefits<\/h2>\n

Both cards pack in a solid suite of benefits to help offset their annual fees.<\/p>\n

With the refreshed Chase Sapphire Preferred<\/a><\/span>, you’ll receive:<\/p>\n