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Side-by-side

Bilt Obsidian vs British Airways Visa Signature

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the British Airways Visa Signature from Chase 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 British Airways Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($850 more in estimated value) than the Bilt Obsidian's. Get the British Airways Visa Signature first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianBritish Airways Visa Signature
Annual fee$95$95
Sign-up bonus$200 Bilt Cash75,000 Bonus Avios
Bonus value (est.)$200$1,050
Min spend to unlock bonus$0 in 0 mo$5,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
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)
  • 75k Avios bonus
  • Travel Together ticket at $30k
  • No foreign tx fees
  • Great for short-haul AA
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios

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: British Airways Visa Signature

Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or British Airways Visa Signature?
The British Airways Visa Signature has the bigger bonus, 75,000 Bonus Avios, worth roughly $1,050, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the British Airways Visa Signature?
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 British Airways Visa Signature's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and British Airways Visa Signature?
Yes, since they're from different issuers (Bilt / Cardless and Chase) 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 British Airways Visa Signature first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. British Airways Visa Signature: $5,000 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.