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Side-by-side

Bilt Obsidian vs United Club Infinite Card

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the United Club Infinite Card from Chase at $695/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Club Infinite Card is the stronger pick today, the sign-up bonus is meaningfully larger ($920 more in estimated value) than the Bilt Obsidian's. Get the United Club Infinite Card first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianUnited Club Infinite Card
Annual fee$95$695
Sign-up bonus$200 Bilt Cash80,000 miles (up to 90,000 with authorized user)
Bonus value (est.)$200$1,120
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)
  • United Club access
  • 4x on United
  • Hyatt Discoverist
  • Priority everything
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
United Club Infinite Card
$695/yr · 80,000 miles (up to 90,000 with authorized user)

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: United Club Infinite Card

Worth it only for frequent United flyers who use the clubs regularly. At $695, you need to visit the club 15+ times a year to break even on lounge access alone.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or United Club Infinite Card?
The United Club Infinite Card has the bigger bonus, 80,000 miles (up to 90,000 with authorized user), worth roughly $1,120, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the United Club Infinite 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 United Club Infinite Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and United Club Infinite Card?
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 United Club Infinite Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. United Club Infinite Card: $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.