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Side-by-side

Bilt Obsidian vs Discover it Cash Back

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Discover it Cash Back from Discover at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.

FeatureBilt ObsidianDiscover it Cash Back
Annual fee$95$0
Sign-up bonus$200 Bilt CashCashback Match (first year, unlimited)
Bonus value (est.)$200$200
Min spend to unlock bonus$0 in 0 mo$0 in 12 mo
IssuerBilt / CardlessDiscover
Card categorytravelcashback
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)
  • 5% rotating categories
  • First-year match
  • No annual fee
  • No foreign tx fees
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)

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: Discover it Cash Back

The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or Discover it Cash Back?
The two cards offer comparable sign-up bonuses around $200. Pick based on which earning categories you actually use.
Is the Bilt Obsidian's $95 annual fee worth it compared to the Discover it Cash Back?
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 Discover it Cash Back's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and Discover it Cash Back?
Yes, since they're from different issuers (Bilt / Cardless and Discover) 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 Discover it Cash Back first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Discover it Cash Back: $0 in 12 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.