Bilt Obsidian

For the right cardholder, the $95 annual fee is reasonable. The card gives you Bilt Rewards points on everyday spending, solid 2x earnings across a broad set of travel purchases, and a customizable 3x category on up to $25,000 in spend. If you regularly spend in the category you choose and can use the monthly Lyft credit plus the semi-annual Bilt Travel hotel credit, the ongoing value is pretty easy to justify.

This card is a weaker fit if you want a simple setup with no management or if you value a large welcome bonus to offset the first year. There is no sign-up bonus here, and the headline value depends more on how deliberately you use the card over time. If you will not use the credits and you do not have a clear plan for the Choice category, a simpler cash-back or travel card will likely be a better match.