Editorial take: Delta SkyMiles Platinum Amex
The companion certificate alone usually covers the annual fee on a single trip. If you fly Delta domestically at least once a year with a partner, this is worth it.
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Side-by-side
Delta SkyMiles Platinum Amex vs Bilt Obsidian
Both are travel travel cards. The Delta SkyMiles Platinum Amex comes from American Express at $350/yr; the Bilt Obsidian from Bilt / Cardless at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the Delta SkyMiles Platinum Amex is the stronger pick today, the sign-up bonus is meaningfully larger ($790 more in estimated value) than the Bilt Obsidian's. Get the Delta SkyMiles Platinum Amex first; revisit the Bilt Obsidian after you've earned that bonus.
| Feature | Delta SkyMiles Platinum Amex | Bilt Obsidian |
|---|---|---|
| Annual fee | $350 | $95 |
| Sign-up bonus | 90,000 miles | $200 Bilt Cash |
| Bonus value (est.) | $990 | $200 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | American Express | Bilt / Cardless |
| Card category | travel | travel |
| Best earning category (Travel) | 3x | 2x |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
Delta SkyMiles Platinum Amex
$350/yr · 90,000 miles
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Editorial take: Bilt Obsidian
The headline tier of Bilt 2.0, launched February 7, 2026 by Cardless after the Wells Fargo era ended. Strongest for renters who eat out (or buy groceries) and use Lyft. The $100 hotel credit pays back most of the AF if you stay 2+ nights anywhere on the Bilt Travel portal. Pair with the no-fee Blue if you want a no-AF anchor too.
Common questions
- Which card has the bigger sign-up bonus, Delta SkyMiles Platinum Amex or Bilt Obsidian?
- The Delta SkyMiles Platinum Amex has the bigger bonus, 90,000 miles, worth roughly $990, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
- Is the Delta SkyMiles Platinum Amex's $350 annual fee worth it compared to the Bilt Obsidian?
- At $350/yr, the Delta SkyMiles Platinum Amex is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Obsidian's, pick the one whose perks you'll actually use.
- Can I have both the Delta SkyMiles Platinum Amex and Bilt Obsidian?
- Yes, since they're from different issuers (American Express and Bilt / Cardless) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Delta SkyMiles Platinum Amex or the Bilt Obsidian first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Delta SkyMiles Platinum Amex: no published min spend. Bilt Obsidian: $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.