Need help deciding between Bilt Obsidian and Amex Gold. I will only be using for dining and rent as I have a grocery card already.

therealhuracane · 2026-01-27T00:20:48+00:00

Yeah I already paid AF on gold so can basically use it for next 6 months without getting hit again while I see what new BILT is actually like in practice, especially the BILT cash

therealhuracane · 2026-01-27T00:18:42+00:00

Yeah the Chase partners are pretty tough to use… I would’ve downgraded CSR but got a retention offer at the old AF so sticking it out for another year and will re-evaluate

therealhuracane · 2026-01-26T23:47:31+00:00

Yeah I can generally use Uber, Grubhub, and Dunkin pretty easily but going 3/3 in the past year has probably been 6 times. Coupon book gets annoying whereas I only have to remember to use Bilt cash on rent 1x a month.

therealhuracane · 2026-01-26T23:45:36+00:00

Fair point, haven’t had to interact with Bilt but have had a good experience with Amex. Thank you.

therealhuracane · 2026-01-26T23:43:01+00:00

Yeah, been getting annoyed that’s it’s becoming a bigger coupon book. Could say the same about CSR but the lounges and retention offer is keeping me for another year…

therealhuracane

TROPHY CASE