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Side-by-side

Blue Business Cash Card from American Express vs Bilt Obsidian

Both are well-respected travel cards. The Blue Business Cash Card from American Express comes from American Express at $0/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

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBlue Business Cash Card from American ExpressBilt Obsidian
Annual fee$0$95
Sign-up bonus$250 statement credit$200 Bilt Cash
Bonus value (est.)$250$200
Min spend to unlock bonus$3,000 in 3 mo$0 in 0 mo
IssuerAmerican ExpressBilt / Cardless
Card categorybusinesstravel
Best earning category (All_purchases_first_50k_per_year)2x1x
Transfer partnersNonebilt
Headline benefits
  • 2% cash back up to $50K/yr
  • $0 annual fee
  • 0% intro APR 12 months
  • Auto-credited to statement
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
Read the full review
Blue Business Cash Card from American Express
$0/yr · $250 statement credit
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash

Editorial take: Blue Business Cash Card from American Express

The cash-back twin of the Blue Business Plus. Same 2% catch-all up to $50K/year, but you get automatic statement credit instead of Membership Rewards points. Simpler for businesses that don't want to manage a points balance; less ceiling than the Plus for transfer-partner redemptions.

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, Blue Business Cash Card from American Express or Bilt Obsidian?
The Blue Business Cash Card from American Express has the bigger bonus, $250 statement credit, worth roughly $250, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Blue Business Cash Card from American Express's $0 annual fee worth it compared to the Bilt Obsidian?
The Blue Business Cash Card from American Express has no annual fee, so the question is whether the Bilt Obsidian's $95 fee is justified by its perks. If you'll use enough of the Bilt Obsidian's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Blue Business Cash Card from American Express.
Can I have both the Blue Business Cash Card from American Express 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 Blue Business Cash Card from American Express or the Bilt Obsidian first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Cash Card from American Express: $3,000 spend in 3 months. 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.