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Side-by-side

Bilt Obsidian vs IHG One Rewards Premier

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($725 more in estimated value) than the Bilt Obsidian's. Get the IHG One Rewards Premier first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianIHG One Rewards Premier
Annual fee$95$99
Sign-up bonus$200 Bilt Cash185,000 bonus points
Bonus value (est.)$200$925
Min spend to unlock bonus$0 in 0 mo$3,000 in 3 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)
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 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: IHG One Rewards Premier

A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or IHG One Rewards Premier?
The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the IHG One Rewards Premier?
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 IHG One Rewards Premier's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and IHG One Rewards Premier?
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 IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. IHG One Rewards Premier: $3,000 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.