Bilt Obsidian Card

Annual fee: $95
Network: mastercard
Type: personal

Earn 3x points on your choice of dining or groceries (grocery up to $25k/year), 2x on travel, and tiered rewards on rent/mortgage payments, plus a $100 annual Bilt Travel hotel credit.

Heads up: Rates, fees, and welcome offers below are pulled directly from the issuer and refreshed continuously. Confirm final terms on the issuer site before applying.

Earning rates

all other purchases
1×
pts
Bilt Rewards · Earns 1x Bilt point per dollar spent on general purchases.
Top earn
dining
If selected as the primary bonus category choice
3×
pts
Bilt Rewards · Cardholder chooses between dining or grocery as their 3x category.
Top earn
groceries
If selected as the primary bonus category choice, up to $25,000 spent per calendar year
3×
pts
Bilt Rewards · Cardholder chooses between dining or grocery as their 3x category. Grocery rewards are capped at $25,000 spent per year.
travel
2×
pts
Bilt Rewards · Earns 2x Bilt points on travel purchases.

On-card benefits & credits

1.25x Points on Rent/Mortgage
$313
/annual
Earn 1.25x Bilt Points on rent or mortgage payments without transaction fees, up to 100,000 points per calendar year. Requires 5 card transactions per cycle.
1x Points on All Other Purchases
$250
/annual
Earn 1 Bilt Point per $1 on all non-housing/non-category spend. Estimated against $25,000 typical spend.
3x Points on Groceries or Dining
$180
/annual
Earn 3 Bilt Points per $1 on either Groceries or Dining (choice) up to $25k/yr. Estimated at 3% value on $6,000 grocery spend.
Rent Day Double Points
$125
/monthly
On the 1st of every month, double your points on non-rent categories (e.g., 6x Dining, 4x Travel, 2x Base) up to 10,000 bonus points.
$100 Annual Bilt Travel Hotel Credit
$100
/annual
Two $50 hotel credits available annually, issued every 6 months. Must be used for hotel bookings through the Bilt Travel portal.
Cell Phone Protection
$100
/annual
Up to $800 per claim (subject to $50 deductible) against theft or damage for phones listed on your monthly bill paid with the card.
2x Points on Travel
$60
/annual
Earn 2 Bilt Points per $1 on travel purchases (flights, hotels, car rentals). Estimated against ~$3,000 annual travel spend.
1:1 Point Transfers
$50
/annual
Transfer points 1:1 to premium partners like American Airlines, United, Hyatt, and Marriott for outsized value.
World Elite Mastercard Benefits
$50
/annual
Access to the Mastercard Travel & Lifestyle Services and Priceless experiences program.
No Foreign Transaction Fees
$30
/annual
Purchases made outside the U.S. do not incur additional transaction fees.

Other Bilt cards

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