What you get
Rewards and benefits
How it earns
Housing rewards: up to 1.25X; Bilt partner restaurants: up to 6X; Choose Dining or Grocery (Grocery up to 25K/yr): 3X; Hotels (Booked on Bilt Travel Portal): 4X; Flights (Booked on Bilt Travel Portal): 3X; Other travel: 2X; Other everyday purchases: 1X
- 3X on your selected dining or grocery category (grocery cap $25,000/year); 4X on Bilt Travel hotels, 3X on Bilt Travel flights, 2X on other travel, 1X on other purchases.
- Annual Bilt Travel Hotel Credit**: $100
Shown as the issuer describes it. Caps, exclusions and enrollment rules can apply.
What it costs
Fees, rates and terms
Annual fee$95
Foreign transaction feeNo foreign transaction fees.
Advertised credit profileIssuer determines eligibility; no minimum score published in the reviewed source.
The advertised credit profile is general guidance, not a score cutoff or an approval prediction. Column N.A. (Bilt) makes every lending decision.
- Annual fee and first-year pricing
- Annual fee: $95
- Statement credits and enrollment
- Annual Bilt Travel Hotel Credit**: $100
- Lounge access and guest rules
- Priority Pass membership (Worth $469 per year): Not included
- Card network
- Mastercard; issued by Column N.A., Member FDIC. Cardless services the card.
- Other conditions
- Housing-only rewards: eligible everyday spending of 25%, 50%, 75%, or 100% of housing payments earns 0.5X, 0.75X, 1X, or 1.25X housing points respectively. Below 25%, earn 250 points. Flexible Bilt Cash is an alternative rewards option; Bilt Cash is distinct from transferable Bilt Points.
Recorded from Column N.A. (Bilt)’s public information. Rates and fees change, so the issuer’s current disclosures are authoritative.
Your call
Before you apply for the Bilt Obsidian Card
- This card records an annual fee. Compare the value of benefits you will genuinely use against that recurring cost and a no-fee alternative.
- For travel rewards, test the redemption you would actually book. Portal restrictions, transfer availability and taxes can change the value of points.
- Check merchant-category definitions, spending caps and enrollment rules before assuming the advertised bonus rate applies to every purchase.
- Compare the current purchase APR and consider how reliably you can pay the statement balance in full. Interest can outweigh rewards.
Read the full application checklist →See how it fits your spending in Find My Card →
