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Side-by-side

Bilt Obsidian vs United Club Business Card

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the United Club Business 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 Business Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,300 more in estimated value) than the Bilt Obsidian's. Get the United Club Business Card first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianUnited Club Business Card
Annual fee$95$695
Sign-up bonus$200 Bilt Cash100,000 miles + 2,000 PQP
Bonus value (est.)$200$1,500
Min spend to unlock bonus$0 in 0 mo$5,000 in 3 mo
IssuerColumn N.A.Chase
Card categorytravelbusiness
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • United Club membership
  • 1.5x catch-all (highest)
  • Premier Access
  • Free 2 checked bags
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
United Club Business Card
$695/yr · 100,000 miles + 2,000 PQP

Editorial take: Bilt Obsidian

The middle tier of Bilt 2.0, launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer, 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 Business Card

Pure United Club access card. Cash equivalent of the lounge membership is $750+/year, so the $695 fee makes sense if you're at United hubs frequently. The 1.5x base earning is the highest catch-all rate among premium business cards.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or United Club Business Card?
The United Club Business Card has the bigger bonus, 100,000 miles + 2,000 PQP, worth roughly $1,500, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the United Club Business 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 Business Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and United Club Business Card?
Yes, since they're from different issuers (Column N.A. 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 Business Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. United Club Business 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.