Bilt Obsidian vs World of Hyatt Business Credit Card
Side-by-side comparison
| Bilt Obsidian | World of Hyatt Business Credit Card | |
|---|---|---|
| Annual fee | $95 | $199 |
| Welcome offer | $200 in Bilt Cash on account opening | 60,000 points |
| 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 | $636 |
| Points type | Transfers to airlines & hotels | Locked to World of Hyatt |
| 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 World of Hyatt Business Credit Card about $636, 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 World of Hyatt Business Credit Card charges $199, which you clear through its rewards and perks. Counting rewards, fees, and any credits, the Bilt Obsidian delivers more total value, about $164 a year more for a typical spender, mostly because it carries more in annual statement credits. The bigger difference is the ceiling: the Bilt Obsidian earns points you can move to travel partners for outsized value, while the World of Hyatt Business Credit Card stays locked to a single airline or hotel program. Favor the Bilt Obsidian if you will use travel transfers, the World of Hyatt Business Credit Card if you want simplicity. On the sign-up bonus, the World of Hyatt Business Credit Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.
Pick the World of Hyatt Business Credit Card if your spending leans toward travel.