Editorial take: Blue Business Plus from Amex
The silent workhorse of the Amex MR ecosystem. 2x on everything up to $50k/year with no annual fee. Pair it with the Platinum or Gold to unlock transfers, and you have a powerful everyday earner.
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Side-by-side
Blue Business Plus from Amex vs Bilt Obsidian
Both are well-respected travel cards. The Blue Business Plus from Amex 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.
| Feature | Blue Business Plus from Amex | Bilt Obsidian |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | 15,000 Membership Rewards points | $200 Bilt Cash |
| Bonus value (est.) | $270 | $200 |
| Min spend to unlock bonus | $3,000 in 3 mo | $0 in 0 mo |
| Issuer | American Express | Bilt / Cardless |
| Card category | business | travel |
| Best earning category (All_purchases_first_50k_per_year) | 2x | 1x |
| Transfer partners | amex-mr | bilt |
| Headline benefits |
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Read the full review
Blue Business Plus from Amex
$0/yr · 15,000 Membership Rewards points
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, Blue Business Plus from Amex or Bilt Obsidian?
- The Blue Business Plus from Amex has the bigger bonus, 15,000 Membership Rewards points, worth roughly $270, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
- Is the Blue Business Plus from Amex's $0 annual fee worth it compared to the Bilt Obsidian?
- The Blue Business Plus from Amex 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 Plus from Amex.
- Can I have both the Blue Business Plus from 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 Blue Business Plus from Amex or the Bilt Obsidian first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Blue Business Plus from Amex: $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.