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Bilt Obsidian vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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 ObsidianPetal 2 Cash Back, No Fees Visa
Annual fee$95$0
Sign-up bonus$200 Bilt CashNone
Bonus value (est.)$200$0
Min spend to unlock bonus$0 in 0 mo$0 in 0 mo
IssuerBilt / CardlessPetal
Card categorytravelcredit-builder
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)
    Read the full review
    Bilt Obsidian
    $95/yr · $200 Bilt Cash
    Read the full review
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or Petal 2 Cash Back, No Fees Visa?
    The Bilt Obsidian has the bigger bonus, $200 Bilt Cash, worth roughly $200, versus None (~$0) on the Petal 2 Cash Back, No Fees Visa.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Bilt / Cardless and Petal) 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 Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Petal 2 Cash Back, No Fees Visa: $0 in 0 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.