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Side-by-side

Bilt Blue vs Bilt Obsidian

Both are travel travel cards. The Bilt Blue comes from Bilt / Cardless 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

Both cards come from Bilt / Cardless and target travel spenders, so the choice usually comes down to whether you'll use the premium-tier benefits. The Bilt Obsidian costs $95 more per year, only worth it if you'll actually use the upgraded perks.

FeatureBilt BlueBilt Obsidian
Annual fee$0$95
Sign-up bonus$100 Bilt Cash$200 Bilt Cash
Bonus value (est.)$100$200
Min spend to unlock bonus$0 in 0 mo$0 in 0 mo
IssuerColumn N.A.Column N.A.
Card categorytraveltravel
Best earning category (Lyft)3x1x
Transfer partnersbiltbilt
Headline benefits
  • $0 annual fee
  • 1x everywhere, no caps
  • Up to 1.25x on rent
  • Rent Day 2x on the 1st
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
Read the full review
Bilt Blue
$0/yr · $100 Bilt Cash
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash

Editorial take: Bilt Blue

The no-fee entry tier of Bilt 2.0, launched February 7, 2026. 1X base earn on everything else, with 3X on Lyft, up to 4X at Bilt dining partners, and 3X hotels / 2X flights through the Bilt Travel portal. Best for renters who want the no-fee anchor plus full transfer partner access without paying $95+. The 5-transactions-per-cycle minimum from legacy Bilt is gone, and Rent Day doubles everyday earn on the 1st up to 1,000 bonus points.

Editorial take: Bilt Obsidian

The middle tier of Bilt 2.0, launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer, 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, Bilt Blue or Bilt Obsidian?
The Bilt Obsidian has the bigger bonus, $200 Bilt Cash, worth roughly $200, versus $100 Bilt Cash (~$100) on the Bilt Blue.
Is the Bilt Blue's $0 annual fee worth it compared to the Bilt Obsidian?
The Bilt Blue 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 Bilt Blue.
Can I have both the Bilt Blue and Bilt Obsidian?
Yes, though both are issued by Column N.A. so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Bilt Blue or the Bilt Obsidian first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Blue: $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.