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Side-by-side

Bilt Obsidian vs Chase Ink Business Preferred

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Chase Ink Business Preferred 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 Chase Ink Business Preferred is the stronger pick today, the sign-up bonus is meaningfully larger ($1,800 more in estimated value) than the Bilt Obsidian's. Get the Chase Ink Business Preferred first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianChase Ink Business Preferred
Annual fee$95$95
Sign-up bonus$200 Bilt Cash100,000 points
Bonus value (est.)$200$2,000
Min spend to unlock bonus$0 in 0 mo$8,000 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)
  • 100,000 point sign-up bonus
  • 3x on travel, shipping, ads, internet ($150k cap)
  • Cell phone protection
  • Transfer to UR partners
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
Chase Ink Business Preferred
$95/yr · 100,000 points

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 Preferred

The business version of Sapphire Preferred with one of the highest sign-up bonuses around. 3x on travel, shipping, internet/phone, and advertising (capped $150k/yr combined) plus full UR transfer access. Chase has added once-per-lifetime language; treat the bonus as a one-time opportunity.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or Chase Ink Business Preferred?
The Chase Ink Business Preferred has the bigger bonus, 100,000 points, worth roughly $2,000, 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 Preferred?
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 Preferred's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and Chase Ink Business Preferred?
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 Preferred first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Chase Ink Business Preferred: $8,000 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.