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Side-by-side

Bilt Obsidian vs Chase Ink Business Unlimited

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Chase Ink Business Unlimited from Chase at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Chase Ink Business Unlimited is the stronger pick today, the sign-up bonus is meaningfully larger ($550 more in estimated value) than the Bilt Obsidian's. Get the Chase Ink Business Unlimited first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianChase Ink Business Unlimited
Annual fee$95$0
Sign-up bonus$200 Bilt Cash$750 bonus cash back
Bonus value (est.)$200$750
Min spend to unlock bonus$0 in 0 mo$6,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelbusiness
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltchase-ur
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
  • 1.5% on everything
  • Huge $900 bonus
  • No annual fee
  • Converts to UR points
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
Chase Ink Business Unlimited
$0/yr · $750 bonus cash back

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: Chase Ink Business Unlimited

The business version of Freedom Unlimited. Flat 1.5% on every business expense with no annual fee, perfect catch-all for anything that doesn't fit a bonus category.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or Chase Ink Business Unlimited?
The Chase Ink Business Unlimited has the bigger bonus, $750 bonus cash back, worth roughly $750, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the Chase Ink Business Unlimited?
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 Chase Ink Business Unlimited's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and Chase Ink Business Unlimited?
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 Chase Ink Business Unlimited first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Chase Ink Business Unlimited: $6,000 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.