Bilt Obsidian Card
| Annual fee | $95 Fact |
| Foreign transaction fee | None |
| Rewards currency | Bilt Points |
| Est. point value | 2.20¢ Estimate |
Last updated Sep 10, 2026
Checked Sep 10, 2026
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Travel | 4x | Bilt Points | No cap |
| Restaurants | 3x | Bilt Points | No cap |
| Rent and mortgage payments | 1.25x | Bilt Points | No cap |
| Everything else | 1x | Bilt Points | No cap |
Recurring credits
Estimated value| $100 Bilt Travel Hotel credit, applied twice a year as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings | $100/yr (Semiannual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsEarn Bilt Elite Status even faster when you spend with your Bilt Card.
Purchase Assurance protection included on the Obsidian Card
Cellular Wireless Telephone Protection included on the Obsidian Card
Extended Warranty protection included on the Obsidian Card
Trip Delay Reimbursement included on the Obsidian Card
Trip Cancellation and Interruption Protection included on the Obsidian Card
MasterRental collision damage waiver: reimbursement for covered damage or theft to a rental car.
Premium metal card design that makes a statement wherever you pay.
Redeem $200 of Bilt Cash to earn 1 extra point per dollar on your next $5,000 of everyday spending. Available up to five times per calendar year.
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.
News on this card
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Article Aug 16, 2026The Bilt Trifecta: What Paying Rent With Bilt Really Earns
What the Bilt Blue, Obsidian, and Palladium cards really earn on rent and mortgage payments, with the breakeven math and the bonuses you give up.