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Bilt Obsidian vs Upgrade Triple Cash Rewards Visa

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the Upgrade Triple Cash Rewards Visa from Upgrade 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 ObsidianUpgrade Triple Cash Rewards Visa
Annual fee$95$0
Sign-up bonus$200 Bilt Cash$200 statement bonus
Bonus value (est.)$200$200
Min spend to unlock bonus$0 in 0 mo$0 in 2 mo
IssuerBilt / CardlessUpgrade
Card categorytravelcash-back
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
    Upgrade Triple Cash Rewards Visa
    $0/yr · $200 statement bonus

    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: Upgrade Triple Cash Rewards Visa

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or Upgrade Triple Cash Rewards Visa?
    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 Upgrade Triple Cash Rewards 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 Upgrade Triple Cash Rewards Visa's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and Upgrade Triple Cash Rewards Visa?
    Yes, since they're from different issuers (Bilt / Cardless and Upgrade) 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 Upgrade Triple Cash Rewards Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. Upgrade Triple Cash Rewards Visa: $0 in 2 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.