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Side-by-side

Bilt Obsidian vs World of Hyatt Business Credit Card

Both are well-respected travel cards. The Bilt Obsidian comes from Bilt / Cardless at $95/yr; the World of Hyatt Business Credit Card from Chase at $199/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the World of Hyatt Business Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,075 more in estimated value) than the Bilt Obsidian's. Get the World of Hyatt Business Credit Card first; revisit the Bilt Obsidian after you've earned that bonus.

FeatureBilt ObsidianWorld of Hyatt Business Credit Card
Annual fee$95$199
Sign-up bonus$200 Bilt Cash75,000 points
Bonus value (est.)$200$1,275
Min spend to unlock bonus$0 in 0 mo$7,500 in 3 mo
IssuerBilt / CardlessChase
Card categorytravelbusiness
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)
  • $100 Hyatt credits annually
  • 5 elite night credits
  • Top-3 categories at 2x
  • 10% points rebate up to 200k
Read the full review
Bilt Obsidian
$95/yr · $200 Bilt Cash
Read the full review
World of Hyatt Business Credit Card
$199/yr · 75,000 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: World of Hyatt Business Credit Card

The strongest hotel business card if you actually stay at Hyatts. Five elite night credits + top-3-categories earning + the $100 in Hyatt credits make it pay for its $199 fee for almost any Hyatt-leaning traveler. Underrated.

Common questions

Which card has the bigger sign-up bonus, Bilt Obsidian or World of Hyatt Business Credit Card?
The World of Hyatt Business Credit Card has the bigger bonus, 75,000 points, worth roughly $1,275, versus $200 Bilt Cash (~$200) on the Bilt Obsidian.
Is the Bilt Obsidian's $95 annual fee worth it compared to the World of Hyatt Business 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 World of Hyatt Business Credit Card's, pick the one whose perks you'll actually use.
Can I have both the Bilt Obsidian and World of Hyatt Business Credit Card?
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 World of Hyatt Business Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Obsidian: $0 spend in 0 months. World of Hyatt Business Credit Card: $7,500 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.