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Bilt Obsidian Card card art
Sign-up bonus
$200 Bilt Cash ≈ $200 value
BILT

Bilt Obsidian Card

Consumer News on this card (1)
Annual fee $95 Fact
Foreign transaction fee None
Rewards currency Bilt Points
Est. point value 2.20¢ Estimate
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Last updated Oct 28, 2026

Checked Oct 28, 2026

How you earn
CategoryRateCurrencyCap
Hotels 4x Bilt Points No cap
Restaurants
Best card for dining
 3x n/a No cap
Travel
Best card for travel
 2x n/a No cap
Rent and mortgage payments 1.25x Bilt Points No cap
Everything else 1x Bilt Points No cap
Conditional earning rates
RateWhen it applies
3x 3X on Lyft rides after linking your Bilt and Lyft accounts.
6x Earn up to 6X points at Bilt Neighborhood Dining partner restaurants.
Recurring credits
Estimated value
$100 Bilt Travel Hotel credit, applied twice a year as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings
Primary cardmember only
$100/yr (Semiannual)

Credit value depends on whether you use each credit; treat these as potential value.

Benefits & protections
Card facts
Elite Status & Upgrades 1

Earn Bilt Elite Status even faster when you spend with your Bilt Card.

Protection & Insurance 7

Purchase Assurance protection included on the Obsidian Card

Covers authorized users when they pay with their card

Cellular Wireless Telephone Protection included on the Obsidian Card

Covers authorized users when they pay with their card

Extended Warranty protection included on the Obsidian Card

Covers authorized users when they pay with their card

Trip Delay Reimbursement included on the Obsidian Card

Covers authorized users when they pay with their card

Trip Cancellation and Interruption Protection included on the Obsidian Card

Covers authorized users when they pay with their card

MasterRental collision damage waiver: reimbursement for covered damage or theft to a rental car.

Covers authorized users when they pay with their card

Lost or Damaged Luggage Insurance included for Obsidian cardholders.

Covers authorized users when they pay with their card
Other Perks 1

Premium metal card design that makes a statement wherever you pay.

Authorized users on the Bilt Obsidian

Card facts

$50 a year for each authorized user.

Each authorized user gets

  • Cellular wireless telephone protection
  • Extended warranty
  • Lost or damaged luggage insurance
  • Masterrental collision damage waiver
  • Purchase assurance
  • Trip cancellation and interruption protection
  • Trip delay reimbursement

Shared across the account

  • No transaction fees on housing payments

Primary cardmember only

  • Bilt travel hotel credit
Transfer partners
Accor Live Limitless 3:2 Aer Lingus AerClub 1:1 Air Canada Aeroplan 1:1 Air France-KLM Flying Blue 1:1 Amtrak Guest Rewards 2:1 Atmos Rewards (Alaska Airlines + Hawaiian Airlines) 1:1 Avianca LifeMiles 1:1 British Airways Club 1:1 Cathay Pacific Asia Miles 1:1 Emirates Skywards 1:1 Etihad Guest 1:1 Hilton Honors 1:1 I Prefer Hotel Rewards 1:2 IHG One Rewards 1:1 Iberia Club 1:1 Japan Airlines Mileage Bank 1:1 JetBlue TrueBlue 1:1 Marriott Bonvoy 1:1 Qatar Airways Privilege Club 1:1 Southwest Rapid Rewards 1:1 TAP Air Portugal Miles&Go 1:1 Turkish Airlines Miles&Smiles 1:1 United MileagePlus 1:1 Virgin Atlantic Flying Club 1:1 Virgin Red 1:1 World of Hyatt 1:1 Wyndham Rewards 1:1

Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.

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