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Side-by-side

Bilt Obsidian vs United Quest Card

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the United Quest Card from Chase at $350/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Quest Card is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Bilt Obsidian's. Get the United Quest Card first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianUnited Quest Card
Annual fee$95$350
Sign-up bonus$200 Bilt Cash70,000 miles + 500 PQP
Bonus value (est.)$200$950
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytraveltravel
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltmileageplus
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
  • $300 Bilt Dining partner credit
  • $120 Lyft credit (via Bilt Cash)
  • 3x on United
  • $125 United credit
  • 2 free bags
  • Award rebates
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP

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 Quest Card

If you fly United 3+ times a year, the $125 travel credit, two free bags, and 10k miles of rebates on award flights ($100+ in direct value) make this card pay for itself.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or United Quest Card?
The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the United Quest 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 Quest Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and United Quest 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 Quest Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. United Quest Card: $4,000 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.