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Bilt Obsidian vs CitiBusiness / AAdvantage Platinum Select Mastercard

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the CitiBusiness / AAdvantage Platinum Select Mastercard from Citi at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the CitiBusiness / AAdvantage Platinum Select Mastercard is the stronger pick today, the sign-up bonus is meaningfully larger ($873 more in estimated value) than the Bilt Obsidian's. Get the CitiBusiness / AAdvantage Platinum Select Mastercard first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianCitiBusiness / AAdvantage Platinum Select Mastercard
Annual fee$95$99
Sign-up bonus$200 Bilt Cash65,000 miles
Bonus value (est.)$200$1,073
Min spend to unlock bonus$0 in 0 mo$4,000 in 4 mo
IssuerColumn N.A.Citi
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltaadvantage
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
    Read the full review
    Bilt Obsidian
    $95/yr · $200 Bilt Cash
    Read the full review
    CitiBusiness / AAdvantage Platinum Select Mastercard
    $99/yr · 65,000 miles

    Editorial take: Bilt Obsidian

    The middle tier of Bilt 2.0, launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer, 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.

    Editorial take: CitiBusiness / AAdvantage Platinum Select Mastercard

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or CitiBusiness / AAdvantage Platinum Select Mastercard?
    The CitiBusiness / AAdvantage Platinum Select Mastercard has the bigger bonus, 65,000 miles, worth roughly $1,073, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the CitiBusiness / AAdvantage Platinum Select Mastercard?
    At $95/yr, the Bilt Obsidian is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the CitiBusiness / AAdvantage Platinum Select Mastercard's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and CitiBusiness / AAdvantage Platinum Select Mastercard?
    Yes, since they're from different issuers (Column N.A. and Citi) 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 Bilt Obsidian or the CitiBusiness / AAdvantage Platinum Select Mastercard first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. CitiBusiness / AAdvantage Platinum Select Mastercard: $4,000 in 4 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.