Bilt Obsidian Card
| Annual fee | $95 Fact |
| Foreign transaction fee | None |
| Rewards currency | Bilt Points |
| Est. point value | 2.20¢ Estimate |
Last updated Jul 22, 2026
Checked Jul 26, 2026
How you earn
| Category | Rate | Currency | Cap |
|---|---|---|---|
| Restaurants | 6x | Bilt Points | No cap |
| Hotels | 4x | n/a | No cap |
| Flights | 3x | n/a | No cap |
| Transit and rideshare | 3x | n/a | No cap |
| Groceries | 3x | n/a | $25,000/yr |
| Travel | 2x | n/a | No cap |
| Other | 1.25x | Bilt Points | No cap |
| Rent and mortgage payments | 1.25x | Bilt Points | No cap |
| Everything else | 1x | n/a | 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 (one-time/annual) |
Credit value depends on whether you use each credit; treat these as potential value.
Benefits & protections
Card factsPurchase 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
Trip Delay Insurance included as a cardholder benefit
MasterRental Coverage providing reimbursement for covered damage or theft to a rental car
Cardholder exclusive benefit: no transaction fees on rent and mortgage payments made through Bilt
Ability to stack rewards with Bilt Neighborhood Benefits across partner merchants
Transfer partners
Alliance reach: Oneworld, SkyTeam, Star Alliance. Points transferred to a member can often be redeemed across the alliance.