Beta

Every feature is free during beta. No credit card, no catch.

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

Bilt Obsidian vs U.S. Bank Business Leverage Visa Signature

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the U.S. Bank Business Leverage Visa Signature from U.S. Bank 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 ObsidianU.S. Bank Business Leverage Visa Signature
Annual fee$95$95
Sign-up bonus$200 Bilt Cash60,000 bonus points
Bonus value (est.)$200$600
Min spend to unlock bonus$0 in 0 mo$6,000 in 4 mo
IssuerColumn N.A.U.S. Bank
Card categorytravelbusiness
Best earning category (Dining_or_groceries)3x1x
Transfer partnersbiltNone
Headline benefits
  • $100 Bilt Travel hotel credit
  • Pick 3x dining OR groceries
    Read the full review
    Bilt Obsidian
    $95/yr · $200 Bilt Cash
    Read the full review
    U.S. Bank Business Leverage Visa Signature
    $95/yr · 60,000 bonus points

    Editorial take: Bilt Obsidian

    The middle tier of Bilt 2.0, launched February 7, 2026 with Column N.A. as issuer and Cardless as servicer, 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: U.S. Bank Business Leverage Visa Signature

    Common questions

    Which card has the bigger sign-up bonus, Bilt Obsidian or U.S. Bank Business Leverage Visa Signature?
    The U.S. Bank Business Leverage Visa Signature has the bigger bonus, 60,000 bonus points, worth roughly $600, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
    Is the Bilt Obsidian's $95 annual fee worth it compared to the U.S. Bank Business Leverage Visa Signature?
    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 U.S. Bank Business Leverage Visa Signature's, pick the one whose perks you'll actually use.
    Can I have both the Bilt Obsidian and U.S. Bank Business Leverage Visa Signature?
    Yes, since they're from different issuers (Column N.A. and U.S. Bank) 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 U.S. Bank Business Leverage Visa Signature first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. U.S. Bank Business Leverage Visa Signature: $6,000 in 4 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.