The Bilt Obsidian Card feels like the “adult” version of what most people want from a rewards card with strong everyday earning, a reasonable annual fee, and perks that match your spending habits. It’s not trying to be the fanciest card in your wallet, but it could easily be the one you use the most. The big draw here is that it keeps the most important Bilt perk with up to 1.25x on rent and mortgage payments with no transaction fee. Obsidian gives you a real reason to put everyday spend on it too, especially if your monthly budget is basically food, errands, travel (which… same).

You also have the option to earn Bilt Cash on everyday spend, so you’re still earning the “extra” currency that you can use inside the Bilt ecosystem. There is an annual fee, but you also get a $100 Bilt Travel portal hotel credit (split semi-annually), which makes that fee feel much better. If I had to sum it up, this is the Bilt card for people who want to earn fast in popluar categories but still want the rent/mortgage situation. It’s practical, it’s easy to justify, and it plays nicely as a “main card" in your wallet.