Obsidian Card
- Annual fee
- $95
- Network
- mastercard
- Type
- personal
It earns Bilt Points through its rewards structure, but current category rates and benefit terms should be confirmed with Bilt.
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.
Three ways to value this card. Only one of them is yours.
What the issuer advertises.
Pays out with no hoops.
$100 of the advertised value — 100% — comes with strings attached.
- $100 advertised across 1 benefits.
- $100 (100%) needs a booking, enrollment, or deadline.
- Biggest credit — $100 Bilt Travel Hotel Credit, $100 — comes with conditions.
- No-hoops value covers 0% of the annual fee.
- You'll actually use $100 Bilt Travel Hotel Credit.
- 6× on Bilt partner restaurants matches your spend.
- You won't use $100 Bilt Travel Hotel Credit.
- You want the fee covered without chasing — $95 short.
Welcome offer
$200 of Bilt Cash when you apply and get approved
- Est. value
- $200
Earning rates
- Other everyday purchases1×ptsBilt Points
- Top earnBilt partner restaurants6×ptsBilt Points · Up to 6X; 20,000+ U.S. restaurants
- Hotels4×ptsBilt Points · Bilt Travel Portal
- Everyday SpendWhen Flexible Bilt Cash Option is selected4×cash back
- Dining or grocery (your choice)Your choice of dining or grocery3×ptsBilt Points · Grocery up to $25K/year
- Flights3×ptsBilt Points · Bilt Travel Portal
- LyftAfter linking Bilt and Lyft accounts3×ptsBilt Points
- Selected categoryGrocery up to $25,000 in combined grocery purchases by you and any Authorized Users on the Card Account per calendar year. After the $25,000 limit is reached in a calendar year, grocery purchases will earn 1 Bilt Point per $1 spent.3×pts
- Other everyday purchasesOn the 1st of the month, up to 1,000 bonus points (excluding housing payments).2×pts
- Other travel2×ptsBilt Points
- Bilt Housing PaymentsUnder Housing-only Option, your earning rate (0X to 1.25X) is determined by your Everyday Spend Ratio1.25×pts
On-card benefits & credits
- Extended Warranty$10000/As needed
- $100 Bilt Travel Hotel Credit$50/Semi-annual
Bilt Obsidian Cardholders will receive $100 in hotel credits, to be applied in $50 increments twice a year as described below. Credits of up to $50 may be applied to qualifying hotel bookings made through the Bilt Travel Portal from January 1 through June 30 and up to $50 from July 1 through December 31, for a total maximum of $100 each calendar year.
- Trip Delay Reimbursement$0/As needed
If you are delayed more than six (6) hours while traveling to your destination or return destination, we will reimburse you for travel expenses as a result of the delay." followed by "Coverage is limited to the lesser of $300 per trip or 1 claim per twelve (12) month period, and is secondary to any other applicable insurance or benefit available to you, including benefits provided by the common carrier.
- Purchase Assurance$0/As needed
- Cellular Wireless Telephone Protection$0/As needed
You must charge your monthly eligible cellular wireless telephone bill to your covered card. You are eligible for coverage the first day of the calendar month following the payment of your eligible cellular wireless telephone bill to your covered card. Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone. The maximum liability is $800 per claim, and $1,000 per covered card per 12 month period. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per covered card per 12 month period. Call 1-800-Mastercard or go to www.mycardbenefits.com to open a claim. You must report the claim within 90 days of the loss, or as soon as reasonably possible, or the claim may not be honored.
- Trip Cancellation and Interruption Insurance$0/As needed
- MasterRental Coverage$0/As needed
Covered - physical damage and theft of the vehicle, not to exceed the limits outlined below; reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service; towing charges to the nearest collision repair facility. In addition, coverage is limited to $500 per incident for reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service.
- Mastercard ID Theft Protection$0/As needed
Mastercard ID Theft Protection alerts you to possible identity theft by monitoring the surface, dark and deep web, searching for compromised credentials and potentially damaging use of your registered personal information.
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