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$95 Annual Fee
Earn $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Earn $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
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 (up to $100 Bilt Cash earned rolls over to the next year), 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.
🏆 Our Most Popular Card
🏆 Our Most Popular Card
Annual Fee: $95
Best for 2X on Everyday Spending
Best for 2X on Everyday Spending
Annual Fee: $95
🏆 Best Chase Card for Travel Purchases
🏆 Best Chase Card for Travel Purchases
Annual Fee: $95
Earn $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
The Bilt Obsidian Card (see rates & fees) 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 (up to $100 Bilt Cash earned rolls over to the next year) on everyday spend, so you’re still earning the “extra” currency that you can use inside the Bilt ecosystem. You also get a $100 Bilt Travel portal hotel credit (split semi-annually), which pretty much nullifies that $95 annual fee (see rates & fees) .
If I had to sum it up, this is the Bilt card for people who want to earn fast in popular categories but still want to earn on their housing payments. It’s practical, it’s easy to justify, and it plays nicely as a “main card" in your wallet.
[.pro] You can choose your power category between dining or grocery (up to $25K/year), which makes it feel customizable [.pro]
[.pro] Earns on travel, plus Bilt Cash gives you real value for trips beyond just flights and hotels [.pro]
[.pro] That $100 hotel credit helps offset the annual fee (and makes it easier to justify long-term) [.pro]
[.con] The welcome “bonus” is Bilt Cash, so it’s not the flashiest intro compared to other $95 cards [.con]
[.con] The 3x category cap (up to $25K/year) won’t matter for most people, but heavy spenders should note it [.con]
Ensure that you're earning the most points on your housing payments by calculating how much Bilt Cash you'll need to earn (through non-housing purchases) to unlock the full 1.25x on housing spending.
The Bilt Obsidian is best for those who want to earn points on their rent or mortgage but don't want to pay the high annual fee of the Bilt Palladium.
Bilt Obsidian is also great for anyone looking for a way into the Bilt ecosystem. Bilt is currently the only bank that transfers to Atmos Rewards and Bilt Obsidian is the only card with under a $100 fee (see rates & fees) that transfers at a 1:1 ratio to Hyatt.
If you're looking for a nice welcome offer to get you booking trips ASAP, you won't find that here. Also, higher spenders will likely get more out of the true powerhouse, the Bilt Palladium Card.
You probably also shouldn’t own a credit card if you: (1) have a bad credit score, (2) are a non-U.S. resident (for this particular card), and (3) cannot control your spending. If your credit score is low, you'll need to improve it before applying for travel credit cards, as approval for the best ones, like the Sapphire Preferred, is unlikely. Be honest with yourself: if a new credit card will tempt you to overspend, it's best to avoid it. Credit cards are crucial for earning miles and points, but they require responsible use.
The recommended credit score for the Bilt Obsidian is good to excellent.
