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Side-by-side

Bilt Obsidian vs TAP Miles and Go American Express Card

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the TAP Miles and Go American Express Card from Cardless at $79/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.

FeatureBilt ObsidianTAP Miles and Go American Express Card
Annual fee$95$79
Sign-up bonus$200 Bilt Cash40,000 bonus miles
Bonus value (est.)$200-
Min spend to unlock bonus$0 in 0 mo$2,500 in 3 mo
IssuerBilt / CardlessCardless
Card categorytravelairline
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
  • 3x miles on TAP purchases
  • 2 Lisbon lounge passes per year
  • Free extra checked bag
  • Star Alliance redemptions
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
TAP Miles and Go American Express Card
$79/yr · 40,000 bonus miles

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.

Editorial take: TAP Miles and Go American Express Card

The only US co-branded card for a European Star Alliance carrier. Useful if you fly TAP to Lisbon or onward Europe several times a year, since the lounge passes, free extra bag, and Premium Boarding can each be worth more than the $79 annual fee on a single transatlantic trip.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or TAP Miles and Go American Express Card?
The Bilt Obsidian has a public bonus ($200 Bilt Cash, worth roughly $200), while the TAP Miles and Go American Express Card doesn't advertise one right now.
Is the Bilt Obsidian's $95 annual fee worth it compared to the TAP Miles and Go American Express 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 TAP Miles and Go American Express Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and TAP Miles and Go American Express Card?
Yes, since they're from different issuers (Bilt / Cardless and 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 Bilt Obsidian or the TAP Miles and Go American Express Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. TAP Miles and Go American Express Card: $2,500 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.