Bilt Obsidian vs Chase Sapphire Reserve for Business℠
Side-by-side comparison
| Bilt Obsidian | Chase Sapphire Reserve for Business℠ | |
|---|---|---|
| Annual fee | $95 | $795 |
| Welcome offer | $200 in Bilt Cash on account opening | |
| Advertising | 1% | 1% |
| Shipping | 1% | 1% |
| Office supplies | 1% | 1% |
| Phone & internet | 1% | 1% |
| Travel | 2% | 4% |
| Everything else | 1% | 1% |
| Est. yearly rewards* | $546 | $666 |
| Points type | Transfers to airlines & hotels | Transfers to airlines & hotels |
| Network | Mastercard | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified June 2026. See your own numbers in the calculator.
The verdict
On a typical year of business spending, the Bilt Obsidian earns about $546 a year in rewards and the Chase Sapphire Reserve for Business℠ about $666, valuing every point at a flat 1 cent. The Bilt Obsidian charges $95, but carries about $300 in annual statement credits that offset it for anyone who uses them. The Chase Sapphire Reserve for Business℠ charges $795, but carries about $435 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Bilt Obsidian delivers more total value, about $512 a year more for a typical spender, mostly because it skips the annual fee the other charges. Both earn transferable points rather than flat cash, so the deciding factor is whose transfer partners reach the airlines and hotels you would actually book. On the sign-up bonus, the Chase Sapphire Reserve for Business℠ currently has the larger welcome offer (a limited-time offer above its usual amount, so treat it as a one-time boost). A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the Chase Sapphire Reserve for Business℠ if your spending leans toward travel.