All credit cards
Side-by-side
JetBlue Premier Card vs Bilt Obsidian
Both are travel travel cards. The JetBlue Premier Card comes from Barclays at $499/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
If you're not sure you'll use premium perks, start with the Bilt Obsidian, its annual fee is significantly lower and the bonus values are similar. Upgrade later if you find yourself using the higher-tier benefits.
| Feature | JetBlue Premier Card | Bilt Obsidian |
|---|---|---|
| Annual fee | $499 | $95 |
| Sign-up bonus | Not advertised | $200 Bilt Cash |
| Bonus value (est.) | - | $200 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Barclays | Bilt / Cardless |
| Card category | travel | travel |
| Best earning category (Airline) | 6x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
|
Read the full review
JetBlue Premier Card
$499/yr ·
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, JetBlue Premier Card or Bilt Obsidian?
- The Bilt Obsidian has a public bonus ($200 Bilt Cash, worth roughly $200), while the JetBlue Premier Card doesn't advertise one right now.
- Is the JetBlue Premier Card's $499 annual fee worth it compared to the Bilt Obsidian?
- At $499/yr, the JetBlue Premier Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Bilt Obsidian's, pick the one whose perks you'll actually use.
- Can I have both the JetBlue Premier Card and Bilt Obsidian?
- Yes, since they're from different issuers (Barclays 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 JetBlue Premier Card or the Bilt Obsidian first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. JetBlue Premier Card: no published min spend. 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.