Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Annual fees: Bilt Obsidian Card $95/yr, United Business Card $150/yr. Strongest bonus categories: Bilt Obsidian Card on rent and dining, United Business Card on dining.
Card data as of September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Bilt Obsidian Card | United Business Card |
|---|---|---|
| Dining | 3X | 2X |
| Grocery Stores | 3X |
The Bilt Obsidian Card wins in 4 of 7 categories. The United Business Card leads in 3. 1 more category depend on booking channel or caps.
Rent
Bilt Obsidian Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee; no annual cap on housing payments
Mortgage
Bilt Obsidian Card earns 1.25X vs 1X
1.25X via tiered option or up to 1X via Bilt Cash option; no transaction fee
Dining
Bilt Obsidian Card earns 3X vs 2X
Travel
Bilt Obsidian Card earns 2X vs 1X
Grocery Stores
Depends: up to $25,000/yr
Bilt Obsidian Card earns 3X when conditions are met; United Business Card earns 1X (1X without restrictions)
Gas Stations
United Business Card earns 2X vs 1X
Office Supplies
United Business Card earns 2X vs 1X
Transit
Ongoing value favors the Bilt Obsidian Card; year-one value favors the United Business Card.
Published annual fees: Bilt Obsidian Card $95/yr, United Business Card $150/yr — a $55 difference before welcome offers and credits.
| 1X |
| Gas Stations | 1X | 2X |
| Office Supplies | 1X | 2X |
| Transit | 1X | 2X |
| Travel | 2X | 1X |
| Mortgage | 1.25X | 1X |
| Rent | 1.25X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
United Business Card earns 2X vs 1X
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Ongoing value favors the Bilt Obsidian Card; year-one value favors the United Business Card.
| Scenario | Bilt Obsidian Card | United Business Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $370 Credits (our usable estimate): $85 − Annual fee ($95) Ongoing: $360 Year one: $560 | Rewards: $180 Credits (our usable estimate): $85 − Annual fee ($150) Ongoing: $115 Year one: $1,315 | Bilt Obsidian Card | United Business Card |
| Heavy spender: $4,000/month | Rewards: $1,478 Credits (our usable estimate): $85 − Annual fee ($95) Ongoing: $1,468 Year one: $1,668 | Rewards: $720 Credits (our usable estimate): $85 − Annual fee ($150) Ongoing: $655 Year one: $1,855 | Bilt Obsidian Card | United Business Card |
The United Business Card costs $150/yr — that's $55 more than the Bilt Obsidian Card ($95/yr). To justify that gap, you need to extract at least $55 in annual value from the card's higher earn rates and benefits.
The United Business Card includes travel credits, lounge access, free checked bags. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $55 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $55 fee gap means the United Business Card needs roughly $55 more in annual rewards (or credits you will use) to break even on dining and gas stations and everyday spend.
Choosing one card means missing out on these benefits from the other.
Choosing Bilt Obsidian Card means losing:
Get the Bilt Obsidian Card if you:
Get the United Business Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
