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Side-by-side

Bilt Obsidian vs Capital One Spark Cash

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($800 more in estimated value) than the Bilt Obsidian's. Get the Capital One Spark Cash first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianCapital One Spark Cash
Annual fee$95$95
Sign-up bonus$200 Bilt Cash$1,000 cash bonus
Bonus value (est.)$200$1,000
Min spend to unlock bonus$0 in 0 mo$10,000 in 3 mo
IssuerColumn N.A.Capital One
Card categorytravelbusiness
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
    Capital One Spark Cash
    $95/yr · $1,000 cash bonus

    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: Capital One Spark Cash

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or Capital One Spark Cash?
    The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the Capital One Spark Cash?
    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 Capital One Spark Cash's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and Capital One Spark Cash?
    Yes, since they're from different issuers (Column N.A. and Capital One) 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 Capital One Spark Cash first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Capital One Spark Cash: $10,000 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.