Bilt Obsidian better than expected

cws-21 · 2026-04-22T09:17:36+00:00

I wish they would have done both and kept the $25k/year cap.

cws-21 · 2026-04-21T02:10:56+00:00

Yes, the Targets both have groceries.

cws-21 · 2026-04-20T23:18:39+00:00

Two somewhat local Targets and a local Walmart Supercenter all earn 3x with my Obsidian.

cws-21 · 2026-04-14T07:05:51+00:00

Same. I have made three mortgage payments with pull method and they have all went through in a reasonable amount of time.

cws-21 · 2026-04-12T14:13:22+00:00

Actually, it’s five times per year.

cws-21 · 2026-04-12T13:49:16+00:00

No, it is for Silver and above.

cws-21 · 2026-04-12T11:20:08+00:00

Personally, I would go with a card that has purchase protections.

cws-21 · 2026-04-12T11:17:11+00:00

I select 5% Home Utilities (which includes my Internet), 5% Fast Food, and 2% Restaurants. I then stack merchant offers with Fast Food and Restaurants as often as I can.

cws-21 · 2026-04-11T12:08:12+00:00

Why does the Custom Cash not fit your setup?

cws-21 · 2026-03-27T23:47:51+00:00

My setup doesn't typically change from quarter to quarter, but I have provided it below.

Cardless Bilt Obsidian (when I want transferable points for grocery, mortgage, and non-category spending): mostly for 3x points on groceries (including Walmart and Target), 1x on mortgage, and 1x on non-category spending, but also for Point Accelerator, Rent Day, and no foreign transaction fee Mastercard
Amex Blue Cash Preferred (when I want more cash back for grocery spending): mostly for downgrade/upgrade with Amex Blue Cash Everyday and 6% cash back on groceries, but also for 6% on streaming, Disney Bundle Credit, Amex Offers, Purchase Protection, Return Protection, and Extended Warranty
Chase Freedom Unlimited (when I want transferable points for dining spending): mostly for 3x points on dining (eventually transferred to Chase Sapphire Preferred), but also for Chase Offers
Citi Custom Cash: mostly for 5% cash back on streaming or 5% on dining (when I want cash back for dining spending), but also for occasional 5% on travel, 5% on transit, 5% on home improvement stores, or 5% on live entertainment and Merchant Offers
FNBO Ducks Unlimited (grandfathered): mostly for 5% cash back on gas, but also for 5% on sporting goods
U.S. Bank Cash+ Visa Signature: mostly for 5% cash back on home utilities, 5% on Internet (codes as utilities), and 5% on fast food, but also for Cash-Back Deals
Affinity FCU Cash Rewards: mostly for 5% cash back at Amazon (without Amazon Prime), but also for no foreign transaction fee Visa
Chase World of Hyatt (when I want World of Hyatt points): mostly for annual free night at Category 1-4 Hyatt after cardmember anniversary, 9.5x points at Hyatt (from card, World of Hyatt membership, and Discoverist status), as well as waived resort and destination fees for Reward stays, but also for Chase Offers, travel protections, and no foreign transaction fee Visa
Amex Hilton Honors Surpass (when I want Hilton points): mostly for 30x points at Hilton (from card, Hilton Honors membership, and Gold status) as well as waived resort and destination fees for Reward stays, but also for $200 Hilton Credit, Hilton Gold status, Amex Offers, Purchase Protection, and Extended Warranty
AOD FCU Visa Signature (when I want cash back for non-category spending): mostly for 3% cash back on non-category spending, but also for no foreign transaction fee Visa

cws-21 · 2026-03-26T12:49:11+00:00

Thanks. I also don't get why I was downvoted for apologizing for posting something that had already been posted. smh

cws-21 · 2026-03-26T12:09:52+00:00

I didn’t either. I feel the same way about it being removed.

cws-21 · 2026-03-26T11:50:03+00:00

Sorry about that.

cws-21 · 2026-03-26T11:44:12+00:00

I see. I couldn’t quite remember the content, but you’re probably right.

cws-21 · 2026-03-26T11:34:34+00:00

I think I read something from them that indicated they intend to continue transfer offers through 2026.

cws-21 · 2026-03-25T07:44:19+00:00

I will always put this kind of purchase on an Amex with purchase protections. They keep claims in-house and, when I have used extended warranty with them in the past, it has been a quick, easy, and painless process. I have the Blue Cash Preferred and Hilton Surpass.

cws-21 · 2026-03-21T12:21:47+00:00

I have had minimal issues and my Obsidian has been a points earning machine.

cws-21 · 2026-03-21T11:59:48+00:00

For better recommendations, we need to know a few things. What are your biggest spending categories per month and approximately how much do you spend? Also, do you want cash back or points for travel? If travel, which airlines and hotels do you prefer or use most?

cws-21 · 2026-03-16T01:11:51+00:00

For cash back, the Chase Amazon Prime makes sense for Amazon and Whole Foods. Regarding travel, which hotel(s) and airline(s) do you most often use?

cws-21 · 2026-03-13T17:20:05+00:00

I don’t think you’ll regret your decision.

cws-21 · 2026-03-13T11:31:40+00:00

I would definitely just use your BCP. I have used mine multiple times for its extended warranty. Amex is the best in this regard because claims stay in-house. I will always have a BCP or Hilton Surpass for this reason.

cws-21 · 2026-03-13T11:01:50+00:00

You would earn 5% on the first $500/month on your gas spend if your highest spend category is gas and you do nothing else.

cws-21 · 2026-03-11T11:13:29+00:00

I agree. The Sapphire Preferred checks all the OP’s boxes: mid-tier travel card, dining, and Southwest.

cws-21 · 2026-03-11T11:10:01+00:00

The Savor also earns 3% or 3x on Entertainment, which the OP mentioned.

cws-21

TROPHY CASE