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Bilt Obsidian vs Sapphire Reserve for Business

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Sapphire Reserve for Business from Chase at $795/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Sapphire Reserve for Business is the stronger pick today, the sign-up bonus is meaningfully larger ($2,395 more in estimated value) than the Bilt Obsidian's. Get the Sapphire Reserve for Business first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianSapphire Reserve for Business
Annual fee$95$795
Sign-up bonus$200 Bilt Cash150,000 points
Bonus value (est.)$200$2,595
Min spend to unlock bonus$0 in 0 mo$20,000 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)
    Read the full review
    Bilt Obsidian
    $95/yr · $200 Bilt Cash
    Read the full review
    Sapphire Reserve for Business
    $795/yr · 150,000 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: Sapphire Reserve for Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or Sapphire Reserve for Business?
    The Sapphire Reserve for Business has the bigger bonus, 150,000 points, worth roughly $2,595, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the Sapphire Reserve for Business?
    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 Sapphire Reserve for Business's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and Sapphire Reserve for Business?
    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 Sapphire Reserve for Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Sapphire Reserve for Business: $20,000 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.