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BECU Business Cash Back Credit Card vs Bilt Obsidian
Both are well-respected travel cards. The BECU Business Cash Back Credit Card comes from BECU 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 | BECU Business Cash Back Credit Card | Bilt Obsidian |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | No welcome bonus | $200 Bilt Cash |
| Bonus value (est.) | $0 | $200 |
| Min spend to unlock bonus | $0 in 0 mo | $0 in 0 mo |
| Issuer | BECU | Bilt / Cardless |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
|
Read the full review
BECU Business Cash Back Credit Card
$0/yr · No welcome bonus
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, BECU Business Cash Back Credit Card or Bilt Obsidian?
- The Bilt Obsidian has the bigger bonus, $200 Bilt Cash, worth roughly $200, versus No welcome bonus (~$0) on the BECU Business Cash Back Credit Card.
- Is the BECU Business Cash Back Credit Card's $0 annual fee worth it compared to the Bilt Obsidian?
- The BECU Business Cash Back Credit Card 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 BECU Business Cash Back Credit Card.
- Can I have both the BECU Business Cash Back Credit Card and Bilt Obsidian?
- Yes, since they're from different issuers (BECU 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 BECU Business Cash Back Credit Card or the Bilt Obsidian first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Cash Back Credit Card: $0 spend in 0 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.