Card Comparison
Bilt Obsidian Card vs Citi Strata Premier
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
$95/yr
$95/yr
Foreign Fees
None
None
Signup Bonus
$200 credit
60,000 points
Spend $4,000 in 3 months
Top Earn Rates
- Dining 3x
- Groceries 3x
- Rent Payments 3x
- Hotels (Citi Travel) 10x
- Car Rentals (Citi Travel) 10x
- Attractions (Citi Travel) 10x
Reward Type
miles
miles
Key Credits
- Bilt Travel Hotel Credit $50
- Hotel Benefit $100
Card Perks
- Pay rent and mortgage with no transaction fee
None listed
Transfer Partners
- Atmos Rewards
- Avianca LifeMiles
- United MileagePlus
- Flying Blue
- Virgin Atlantic Flying Club
- +19 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Bilt Obsidian Card vs Citi Strata Premier
Is the Bilt Obsidian Card or Citi Strata Premier better for dining?
Bilt Obsidian Card earns 3x on dining; Citi Strata Premier earns 3x on dining. Bilt Obsidian Card wins for dining.
Which has the higher signup bonus in 2026?
Bilt Obsidian Card currently offers $2 signup bonus. Citi Strata Premier offers 60,000 pts signup bonus (spend $4,000 in 3 months). Citi Strata Premier has the larger bonus.
Which card is better for international travel?
Both cards charge no foreign transaction fees, making either a solid choice for international travel.
Can I hold both the Bilt Obsidian Card and the Citi Strata Premier?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bilt Obsidian Card is from Cardless and Citi Strata Premier is from Citi, so they're governed by separate bank policies.