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Side-by-side

Bilt Obsidian vs Southwest Rapid Rewards Priority

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Southwest Rapid Rewards Priority is the stronger pick today, the sign-up bonus is meaningfully larger ($640 more in estimated value) than the Bilt Obsidian's. Get the Southwest Rapid Rewards Priority first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianSouthwest Rapid Rewards Priority
Annual fee$95$229
Sign-up bonus$200 Bilt Cash60,000 points
Bonus value (est.)$200$840
Min spend to unlock bonus$0 in 0 mo$2,000 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelairline
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)
  • 7,500 anniversary points
  • $75 annual travel credit
  • 4 upgraded boardings/year
  • 4x on Southwest
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 60,000 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: Southwest Rapid Rewards Priority

If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or Southwest Rapid Rewards Priority?
The Southwest Rapid Rewards Priority has the bigger bonus, 60,000 points, worth roughly $840, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Southwest Rapid Rewards Priority: $2,000 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.