Bilt Obsidian Card

I think Bilt tried to make a card here to battle with our perennial favorite: the Chase Sapphire Preferred Card®. But frankly, they failed.

Best feature is 3x on dining or groceries (up to $25,000 per year)
You have to choose whether you want to receive 3x points on dining OR grocery. The selection defaults automatically to 3x on dining, but you have 30 days after approval to change the selection to grocery if you wish.

Even though it earns 2x on travel, I highly discourage you from putting any airline or hotel spend on this card — the travel protections it provides are horrible. They only kick in if you pay the full amount to the card and max out at $2,000 per trip. This pales in comparison to Sapphire coverage — $10,000 per trip and kicks in with just paying your taxes on your card.

You could move all your grocery spending to this card. If you spend $1,000/month on groceries, you’d earn 3000 points per month that way.

Then you could use the BILT cash you’d earn to get some points on part of your housing payment — you’d have earned $40 Bilt cash with that $1,000 of grocery spend.

That could give you another 1,333 points per month if you pay your housing through Bilt. That would come out to 52,000 points per year for that $1,000/month of grocery spend.