Bilt
Bilt Obsidian Benefits, Credits & Annual Fee
$95 / yr · Earns BILT
The Bilt Obsidian Card is a $95-per-year card built for renters and homeowners who want to maximize rewards on dining or groceries, plus earn points on rent and mortgage payments with no transaction fees.
- 4xBilt Travel
- 3xRideshare
- 2xTravel
- $50Bilt Travel
$100/yr in credits · $95 annual fee
Maintained by Creddy Editorial · Catalog checked Oct 9, 2026
Bilt Obsidian at a Glance: $95 Annual Fee, Issuer and Rewards
- Annual fee:
- $95 / yr
- Issuer:
- Bilt
- Rewards:
- BILT
- Credits:
- 1 recurring, up to $100 a year
Bilt Obsidian Earning Rates
| Category | Rate | Notes |
|---|---|---|
| Rideshare | 3x | |
| Travel general | 2x | |
| Everything else | 1x |
Who Should Get the Bilt Obsidian?
The Bilt Obsidian fits people who spend most on rideshare (3x) and travel general (2x). Its $95 annual fee makes sense if the $100 a year in credits Creddy lists, plus what you earn, covers it with credits you would use anyway.
Is the Bilt Obsidian Worth the $95 Annual Fee?
The Bilt Obsidian costs $95 a year. Creddy lists 1 trackable credit worth up to $100 a year if you use it, $5 more than the fee. You break even once you use about 95% of that credit value, so count only the credits you would use anyway.
Check enrollment requirements, merchant restrictions, reset timing and the issuer's current terms before applying.
Bilt Obsidian Welcome Bonus
$200 Bilt Cash on account opening
Offer history
- Sep 7$200 Bilt Cash on account opening
- Sep 4$200 in Bilt Cash upon approval
Tracked since Sep 2026
Bilt Obsidian Statement Credits and When They Reset
- Bilt Travel Hotel Credit$50 / 6moTrackable
Get $100 annual Bilt Travel Hotel credit as two $50 statement credits: one for January through June and one for July through December. Each half requires a two-night minimum stay at eligible Bilt Travel Portal hotels. Credits do not roll over between halves or years.
Resets: Twice a yearChecked Sep 14, 2026
Bilt Obsidian Travel Benefits
Travel Benefits
- Transfer Points to Travel Partners
Transfer Bilt Points to participating travel loyalty programs. Choose a travel partner in your Bilt account and move points to that partner's linked account for eligible travel redemptions. Partners, transfer ratios, and minimum transfer amounts may vary.
Checked Sep 27, 2026 - Bilt Travel Portal Bookings Redemption
Use Bilt Points and Bilt Cash to book flights and hotels through the Bilt Travel Portal. You can book with any airline or hotel brand. Booking must be made through the portal.
Checked Oct 9, 2026
Rental Car
- Primary Rental Car Insurance
When you pay for a rental car with your Bilt Obsidian Card and decline the rental company's collision coverage, you're covered for damage or theft under primary insurance. Being primary means you won't need to involve your personal auto insurance before filing a claim.
Checked Oct 9, 2026
Travel Insurance
- Trip Cancellation / Interruption Protection
Book your trip with the Bilt Obsidian Card to be eligible for reimbursement of up to $5,000 per covered traveler if your trip is canceled or cut short due to a qualifying reason such as illness, severe weather, or other unforeseen events.
Checked Jul 4, 2026 - Trip Delay Reimbursement
If your trip is delayed by 6 or more hours, the card covers up to $200 per covered traveler per day for meals, lodging, and other essentials, for up to 3 days. You must book travel with your Bilt Obsidian Card to activate this coverage.
Checked Jul 4, 2026
More Bilt Obsidian Card Benefits
Bonus Earnings
- Walgreens Pharmacy Rewards
Earn bonus Bilt Points on qualifying in-store Walgreens purchases. Shop at Walgreens with your card to earn points on eligible net purchases. Returns, credits, tips, and other discounts are excluded from the amount used to calculate bonus points.
Checked Sep 27, 2026 - Rich Rewards Across the Bilt Network
Earn extra rewards when you pay with your Bilt Card at more than 50,000 merchants in the Bilt network. Find participating merchants in the Bilt app. Reward rates vary by merchant.
Checked Oct 9, 2026 - Up to 6X at Bilt Neighborhood Dining Partners6x points
At Bilt Neighborhood Dining restaurants (20,000+ participating locations), bonus Bilt Points stack on top of the Obsidian Card earn rate. If dining is your selected 3X category, the neighborhood dining bonus stacks on that 3X base for a total of up to 6X. Combined rate varies by restaurant and is shown in the Bilt app.
Checked Sep 14, 2026 - 4X Hotels through Bilt Travel4x points
Earn 4X total Bilt Points on hotel bookings through the Bilt Travel Portal. Official Bilt Obsidian page retrieved 2026-09-12 lists 4X on hotels through Bilt Travel as the stacked portal rate.
Checked Sep 14, 2026 - Bilt Fitness Class Rewards
Earn bonus Bilt Points on qualifying fitness classes. Book classes through the Bilt app or website and use your card for an eligible purchase. Bonus points are based on net purchases, after any returns or credits.
Checked Sep 27, 2026 - Bilt Home Delivery Rewards
Earn bonus Bilt Points on qualifying Bilt Home Delivery purchases. Place your order through Bilt Home Delivery and use your card for an eligible purchase. Bonus points apply to the net purchase amount, subject to the program's eligible-purchase rules.
Checked Sep 27, 2026 - Metropolis Parking Rewards
Earn bonus Bilt Points on qualifying Metropolis parking. Use your card for drive-up parking at Metropolis Vision technology locations. The bonus applies to net eligible purchases after returns or credits, not to parking at every Metropolis location.
Checked Sep 27, 2026 - Minimum Housing Points250 pts / mo
Get at least 250 Bilt Points in a billing cycle when you make one or more qualifying housing payments. Make the payment through the Bilt app or website using your card account. Your account must be in good standing; the minimum is per billing cycle, not per payment.
Checked Sep 27, 2026 - 3X Points on Dining or Grocery (Choice Category)3x points
Earn 3X on dining or grocery (choice category). Grocery capped at $25,000 per calendar year.
Checked Sep 14, 2026 - 3X Flights through Bilt Travel3x points
Earn 3X total Bilt Points on flights booked through the Bilt Travel Portal (2X travel base plus +1X portal bonus). Official Bilt Obsidian page retrieved 2026-09-12.
Checked Sep 14, 2026 - 3X Lyft Rides3x points
Earn 3X total Bilt Points on eligible Lyft rides when Bilt and Lyft accounts are linked (1X everyday base plus +2X Lyft partnership). Official Bilt Obsidian page retrieved 2026-09-12 says this rate is uncapped.
Checked Sep 30, 2026 - 2X Points on Travel2x points
Earn 2X Bilt Points on eligible travel purchases such as flights, hotels, and car rentals. Points post automatically with no enrollment required.
Checked Sep 14, 2026 - Up to 1.25X Points on Housing Payments (Housing-only Rewards)
Earn up to 1.25X Bilt Points on rent and mortgage payments by selecting the Housing-only rewards option. The exact multiplier scales based on your ratio of everyday spend, so higher everyday spending unlocks the full 1.25X rate. Switching to this option means you won't earn the 3X dining/grocery or 4% Bilt Cash bonuses.
Checked Jul 4, 2026 - Point Accelerator$200 / yrTrackableEnrollment required
Redeem $200 in Bilt Cash to earn 1 additional Bilt Point per dollar on the next $5,000 in qualifying everyday purchases. Available up to five times per year (up to $25,000 eligible spend). Activation expires after the $5,000 cap or at calendar year-end, whichever comes first. Official Bilt Obsidian page retrieved 2026-09-12.
Resets: Calendar yearChecked Sep 27, 2026 - 4% Back in Bilt Cash on Everyday Purchases (Flexible Bilt Cash Option)4%
Earn 4% back in Bilt Cash on everyday purchases by selecting the Flexible Bilt Cash rewards option. Bilt Cash can be redeemed for up to 1X points on housing payments or used at dollar-for-dollar value across the Bilt ecosystem. Choosing this option replaces the 3X dining/grocery category bonus.
Checked Sep 30, 2026 - Authorized User Double Points (Rent Day)
Authorized users earn double points on their everyday purchases on the 1st of each month (Rent Day). Each authorized user has their own separate cap of 1,000 bonus points per month. Points are credited to the primary cardholder's account.
Checked Jul 4, 2026 - Bilt Cash Everyday Earnings4% / yr
Choose the Flexible Bilt Cash earning mode in the Bilt app to earn 4% back in Bilt Cash on everyday purchases. This mode is mutually exclusive with Housing-only rewards, so switching affects how you earn across all spending categories.
Checked Sep 30, 2026 - 1x Base Earnings on Everyday Purchases1x points
Earn 1X Bilt points on everyday purchases that don't fall into a higher bonus category. Points can be transferred to airline and hotel partners or redeemed for travel, rent, and more.
Checked Sep 14, 2026 - Rent & Mortgage Points Earnings (Bilt Cash Option)1 pts / yr
When you've selected the Flexible Bilt Cash earning option, rent and mortgage payments made through Bilt earn 1X Bilt points with no transaction fee. You can also use your accumulated Bilt Cash to unlock these points at a rate of $30 Bilt Cash per 1,000 points.
Checked Sep 30, 2026
Purchase Protection
- Purchase Protection
New purchases charged to the Bilt Obsidian Card are protected against damage or theft for up to 90 days from the purchase date. Coverage extends up to $10,000 per item and $50,000 per year in total claims.
Checked Jul 4, 2026 - Cellphone Protection
Pay your monthly phone bill with the Bilt Obsidian Card to protect your phone against damage or theft. Each claim carries a $25 deductible and is covered up to $800, with a maximum of 2 claims per year (up to $1,600 annually).
Checked Jul 4, 2026 - Extended Warranty
Get extended warranty protection on qualifying purchases with an eligible manufacturer's warranty. Keep your purchase receipt and original warranty, and check your card's benefit terms before filing a claim. Coverage and added warranty time depend on the item and the benefit limits.
Checked Sep 27, 2026
Fees & Miscellaneous
- No Foreign Currency Conversion Fees
The Bilt Obsidian Card charges no foreign currency conversion fees on purchases made outside the U.S. This applies whether you're traveling internationally or shopping online from an overseas merchant.
Checked Jul 4, 2026 - No Transaction Fee on Housing Payments
Pay no transaction fees when making rent or mortgage payments through Bilt. This applies regardless of which bonus rewards option you've selected, and works with any Bilt Card.
Checked Jul 4, 2026 - Redeem Points for Statement Credit
Use Bilt Points for a statement credit toward your Bilt Obsidian Card balance. Redeem points through your Bilt account and apply the credit to your card's principal balance. Check the redemption screen for the point value before confirming.
Checked Sep 27, 2026 - Rent Credit Redemption
Use Bilt Points to pay off part of your monthly rent. Choose the rent option when redeeming in the Bilt app. Only part of your rent can be covered with points.
Checked Oct 9, 2026 - Bilt Cash $50 Milestone Reward$50
Earn $50 in Bilt Cash each time you accumulate 25,000 Bilt Points that count toward elite status. The milestone repeats, so you can earn $50 in Bilt Cash multiple times per year. All Bilt members, including non-cardholders, are eligible for this reward.
Checked Jul 4, 2026 - Flexible Rent and Mortgage Payment Methods
Pay rent or mortgage in whichever way your landlord or servicer accepts. Use their portal, send money via Venmo, or generate a check with Bilt BillPay. All payment options are set up through Bilt.
Checked Oct 9, 2026 - Foreign Transaction Fee5% / yr
A 5% fee applies to each purchase made outside the U.S. or in a foreign currency.
Checked Oct 9, 2026 - Free Credit Reporting for Rent Payments
On-time rent payments made through Bilt are reported to credit bureaus at no cost, helping you build credit history. No extra steps are required - reporting happens automatically with each qualifying on-time payment.
Checked Jul 4, 2026 - Gift Card Redemption
Use Bilt Points to buy gift cards from your favorite merchants. Pick a merchant and amount when redeeming in the Bilt app. Available merchants and point values vary.
Checked Oct 9, 2026 - Introductory APR on Purchases
Get a 10% introductory APR on new eligible purchases for the first 12 billing cycles after opening your account. After the intro period ends, the standard variable APR applies. This rate covers new purchases only, not balance transfers or cash advances.
Checked Jul 4, 2026 - Lyft Rides Redemption
Use Bilt Points to pay for Lyft rides in your neighborhood. Choose the Lyft option when redeeming in the Bilt app. Points apply only to Lyft rides.
Checked Oct 9, 2026
Bilt Obsidian vs Other Bilt Cards
- Bilt BlueNo annual fee
- Bilt Palladium$495 / yr
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Bilt Obsidian FAQs
Is the Bilt Obsidian Card worth the annual fee?
Compare Bilt Obsidian's current annual fee with rewards and benefits you would actually use. Count credits at what they save you after eligibility, enrollment and extra spending costs, then compare the result with lower-fee alternatives. Include interest and other charges if you carry a balance.
Which benefits does Creddy list for Bilt Obsidian Card?
Creddy's September 26, 2026 catalog lists Bilt Travel Hotel Credit, Point Accelerator for Bilt Obsidian. Review the benefits and earning-rate tables for the conditions; confirm current coverage, enrollment and restrictions with Bilt. This is a dated catalog summary, not certification that every listed benefit is currently available on your account.
What is the annual fee for the Bilt Obsidian Card?
Creddy's catalog lists a $95 annual fee for Bilt Obsidian as checked on September 26, 2026. Confirm current pricing and any additional-card fees with Bilt before applying or renewing.
Does the Bilt Obsidian Card come with a welcome bonus?
Welcome offers for Bilt Obsidian can change and may depend on your application or account history. Check Bilt's current offer for the bonus amount, eligible spending, deadline and exclusions; a catalog entry does not guarantee an offer or your eligibility.
Who should get the Bilt Obsidian Card?
Bilt Obsidian may fit someone whose normal spending matches its eligible earning categories and who can use the benefits shown above. Compare the current fee, purchase restrictions and realistic redemption value with other cards before applying.
How does the Bilt Obsidian Card compare to other Wells Fargo (Bilt) cards?
Compare Bilt Obsidian with other Bilt cards using annual fees, eligible earning rates and the benefits you would use. The card tables and issuer catalog help you compare conditions; headline multipliers alone do not establish the better card.