Beta

Free during beta. Plus launches at $12/mo or $99/yr on July 1. Annual is locked for 12 months during beta.

Skip to content
RewardZ Travel
All credit cards
Side-by-side

Bilt Obsidian vs Truist Enjoy Beyond Credit Card

Both are travel travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Truist Enjoy Beyond Credit Card from Truist at $95/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 ObsidianTruist Enjoy Beyond Credit Card
Annual fee$95$95
Sign-up bonus$200 Bilt Cash30,000 bonus points
Bonus value (est.)$200$300
Min spend to unlock bonus$0 in 0 mo$1,500 in 3 mo
IssuerBilt / CardlessTruist
Card categorytraveltravel
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
    Truist Enjoy Beyond Credit Card
    $95/yr · 30,000 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: Truist Enjoy Beyond Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or Truist Enjoy Beyond Credit Card?
    The Truist Enjoy Beyond Credit Card has the bigger bonus, 30,000 bonus points, worth roughly $300, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the Truist Enjoy Beyond 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 Truist Enjoy Beyond Credit Card's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and Truist Enjoy Beyond Credit Card?
    Yes, since they're from different issuers (Bilt / Cardless and Truist) 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 Truist Enjoy Beyond Credit Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Truist Enjoy Beyond Credit Card: $1,500 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.