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Side-by-side

Bilt Obsidian vs World of Hyatt Credit Card

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the World of Hyatt Credit Card 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 World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($820 more in estimated value) than the Bilt Obsidian's. Get the World of Hyatt Credit Card first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianWorld of Hyatt Credit Card
Annual fee$95$95
Sign-up bonus$200 Bilt CashUp to 60,000 Bonus Points
Bonus value (est.)$200$1,020
Min spend to unlock bonus$0 in 0 mo-
IssuerBilt / CardlessChase
Card categorytravelhotel
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)
  • 9x at Hyatt properties
  • Free Cat 1-4 night every year
  • Automatic Discoverist
  • $95 fee
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus 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: World of Hyatt Credit Card

The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or World of Hyatt Credit Card?
The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,020, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the World of Hyatt Credit 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 World of Hyatt Credit Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and World of Hyatt Credit 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 World of Hyatt Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. World of Hyatt Credit Card: no published min spend. 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.