Bilt Obsidian Card
Annual fee
$95
Welcome bonus
$200
Foreign txn fee
0%
(Direct link to issuer does not currently earn a commission on this card.)
The Bilt Obsidian steps up Bilt Card 2.0 for $95 a year: 3X points on dining and groceries (groceries capped at $25,000/year), 2X on travel, and 1X on everything else - plus the same 4% Bilt Cash on everyday spend and fee-free rent and mortgage payments that define the lineup. A $100 annual Bilt Travel hotel credit and $200 in Bilt Cash at signup help offset the fee, and you get trip delay insurance and no foreign transaction fees. Bilt Points transfer 1:1 to airline and hotel partners. The sweet spot for renters and homeowners who spend enough on dining and travel to clear the modest fee.
Welcome bonus
What you get for signing up — no minimum spend required.
$200 · no min spend
See the offer →
Welcome bonus
What you get for signing up — no minimum spend required.
$200 · no min spend
$200. No minimum spend required.
$200 in Bilt Cash on account opening (no spend requirement).
Earn rates
How many points per dollar across categories.
8 categories · top rate 6x
See the multipliers →
Earn rates
How many points per dollar across categories.
8 categories · top rate 6x
Card-level multipliers. Earn currency: Bilt Rewards.
| Category | Rate | Channel | Notes |
|---|---|---|---|
| Dining | 6x | — | Up to 6X at Bilt partner restaurants (Bilt Dining) when Dining is your selected 3X category. Dining or grocery is a choice; the non-selected category earns 1X. |
| Hotels | 4x | portal | 4X on hotels booked through the Bilt Travel Portal. |
| Flights | 3x | portal | 3X on flights booked through the Bilt Travel Portal. |
| Lyft | 3x | — | 3X on Lyft rides after linking your Bilt and Lyft accounts. |
| Grocery | 3x | — | 3X if you select Grocery as your bonus category (up to $25,000/year, then 1X). Dining or grocery is a choice; the non-selected earns 1X. |
| Travel | 2x | — | 2X on other travel (airlines, hotels, cruises, car rentals). |
| Housing | 1.25x | — | Rent and mortgage earn a VARIABLE 0X-1.25X, not a flat rate, based on your Everyday Spend Ratio (everyday spend vs. your housing payment that billing cycle): under 25% = a 250-point flat floor; 25%+ = 0.5X; 50%+ = 0.75X; 75%+ = 1X; 100%+ = 1.25X. No annual cap. This applies under the Housing-only Rewards Option (which forgoes the 4% Bilt Cash on everyday spend). |
| All other purchases | 1x | — | 1X on other everyday purchases. |
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
24 partners
Meet the partners →
Transfer partners
Where you can move your Bilt Rewards to airline + hotel programs.
24 partners
Points earned with this card transfer to 24 partner programs via Bilt Rewards.
| To | Ratio | Notes |
|---|---|---|
| Atmos Rewards | 1:1 | No transfer fee. Atmos Rewards (Alaska + Hawaiian combined program); strong oneworld and partner sweet spots. |
| Aer Lingus AerClub | 1:1 | No transfer fee. AerClub Avios. |
| Air Canada Aeroplan | 1:1 | No transfer fee. Free stopover; strong Star Alliance business-class value. |
| Flying Blue | 1:1 | No transfer fee. Air France-KLM; monthly Promo Rewards discounts. |
| Avianca LifeMiles | 1:1 | No transfer fee. LifeMiles; no fuel surcharges on Star Alliance. |
| Avios | 1:1 | No transfer fee. British Airways Executive Club; Avios usable across the BA/Iberia/Aer Lingus family. |
| Cathay Pacific Asia Miles | 1:1 | No transfer fee. Asia Miles; first and business class to Asia. |
| Emirates Skywards | 1:1 | No transfer fee. Skywards. |
| Etihad Guest | 1:1 | No transfer fee. Etihad Guest. |
| Club Iberia Plus | 1:1 | No transfer fee. Iberia Plus Avios. |
| Japan Airlines Mileage Bank | 1:1 | No transfer fee. JAL Mileage Bank; oneworld premium to Asia. |
| Qatar Privilege Club | 1:1 | No transfer fee. Privilege Club; books Qsuites business. |
| Southwest Rapid Rewards | 1:1 | No transfer fee. Rapid Rewards; no change fees, no award chart. |
| TAP Miles&Go | 1:1 | No transfer fee. TAP Miles&Go. |
| Turkish Miles&Smiles | 1:1 | No transfer fee. Miles&Smiles; very low Star Alliance pricing. |
| United MileagePlus | 1:1 | No transfer fee. MileagePlus. |
| Virgin Atlantic Flying Club | 1:1 | No transfer fee. Flying Club; ANA and Delta One sweet spots. |
| Virgin Red | 1:1 | No transfer fee. Virgin Group rewards club; moves 1:1 on to Virgin Atlantic Flying Club. |
| ALL - Accor Live Limitless | 3:2 | No transfer fee. ALL - Accor Live Limitless; the lone non-1:1 partner (1,000 Bilt is about 667 Accor points). |
| Hilton Honors | 1:1 | No transfer fee. Hilton Honors. |
| Hyatt | 1:1 | No transfer fee. The crown-jewel redemption; outsized value at top properties. |
| IHG One Rewards | 1:1 | No transfer fee. IHG One Rewards. |
| Marriott Bonvoy | 1:1 | No transfer fee. Marriott Bonvoy. |
| Wyndham Rewards | 1:1 | No transfer fee. Wyndham Rewards; added 2026. |
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
See the details →
Travel credits
Annual travel-spend credits and portal incentives.
1 benefit
$100 Bilt Travel Hotel Credit
Up to $100/year in Bilt Travel hotel credits, applied as two $50 statement credits (Jan-Jun and Jul-Dec) on Bilt Travel Portal hotel bookings of 2+ nights.
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
See the details →
Travel & rental insurance
Trip protection, rental car coverage, baggage, accident coverage.
3 benefits
Trip Delay Insurance
Reimbursement for certain expenses when a covered trip is delayed (see Guide to Benefits for limits).
Trip Cancellation and Interruption Protection
Reimbursement for non-refundable trip costs when a covered reason cancels or interrupts your trip (see Guide to Benefits).
MasterRental Coverage
Rental car loss and damage coverage when you pay with the card and decline the counter CDW (see Guide to Benefits).
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
3 benefits
See the details →
Purchase & travel protection
Purchase, extended warranty, cell phone, and fraud protections.
3 benefits
Cellular Wireless Telephone Protection
Coverage for a damaged or stolen cell phone when you pay your wireless bill with the card (see Guide to Benefits for limits).
Purchase Assurance
Covers eligible new purchases against damage or theft for a limited period (see Guide to Benefits).
Extended Warranty
Extends an eligible manufacturer warranty (see Guide to Benefits).
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
See the details →
Transfer partner perks
Partners this card unlocks for point transfer.
1 benefit
Transfer to Travel Partners
Transfer Bilt Points 1:1 to airline and hotel partners.
Other
Other perks on this card.
5 benefits
See the details →
Other
Other perks on this card.
5 benefits
Two Rewards Options - Pick One Each Cycle
Each billing cycle you choose ONE rewards mode (they never stack): (1) Housing-only - up to 1.25X Bilt Points on rent/mortgage, scaled by how much you spend everyday relative to housing, and NO Bilt Cash; or (2) Flexible Bilt Cash - 4% Bilt Cash on everyday spend, with housing capped at 1X via Bilt Cash redemption. You can switch between cycles.
4% Bilt Cash on Everyday Spend (Flexible option)
Earn 4% back in Bilt Cash on everyday spend under the Flexible Bilt Cash Rewards Option. Important: this option is mutually exclusive with the Housing-only option - you pick ONE per billing cycle. Under Flexible Bilt Cash, housing earns up to 1X (by redeeming Bilt Cash: $3 of Bilt Cash unlocks 100 points). You do not also get the 0X-1.25X housing multiplier that cycle.
Fee-Free Rent and Mortgage Payments
Pay rent or mortgage with no transaction fee, no preset housing spending limit, and no annual housing cap, across multiple homes.
Free Rent Reporting
Opt in to free reporting of on-time rent payments to the major credit bureaus to help build credit.
10% Intro APR for 12 Months
10% introductory APR on new eligible purchases for the first 12 months, then a variable 26.74%-34.74% APR applies.