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Bilt Obsidian vs Atmos Rewards Visa Signature Business Card

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Atmos Rewards Visa Signature Business Card from Bank of America at $70/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Atmos Rewards Visa Signature Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($920 more in estimated value) than the Bilt Obsidian's. Get the Atmos Rewards Visa Signature Business Card first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianAtmos Rewards Visa Signature Business Card
Annual fee$95$70
Sign-up bonus$200 Bilt Cash70,000 points + $99 Companion Fare
Bonus value (est.)$200$1,120
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerColumn N.A.Bank of America
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
    Read the full review
    Bilt Obsidian
    $95/yr · $200 Bilt Cash
    Read the full review
    Atmos Rewards Visa Signature Business Card
    $70/yr · 70,000 points + $99 Companion Fare

    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.

    Editorial take: Atmos Rewards Visa Signature Business Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or Atmos Rewards Visa Signature Business Card?
    The Atmos Rewards Visa Signature Business Card has the bigger bonus, 70,000 points + $99 Companion Fare, worth roughly $1,120, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the Atmos Rewards Visa Signature Business Card?
    At $95/yr, the Bilt Obsidian is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Atmos Rewards Visa Signature Business Card's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and Atmos Rewards Visa Signature Business Card?
    Yes, since they're from different issuers (Column N.A. and Bank of America) 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 Bilt Obsidian or the Atmos Rewards Visa Signature Business Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Atmos Rewards Visa Signature Business Card: $4,000 in 3 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.