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Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Bilt Obsidian 1 of 1

Comparing 1 card

BILT

Bilt Obsidian

Apply Details

Cost and value $95 fee

Annual fee

$95

Credits you can use a year, if you use every one

$100

Fee after credits

$5 back credits beat the fee

Point value per point or mile

2.20¢ Estimate

Rewards currency

Bilt Points

Foreign transaction fee

None

Rates and fees

On the issuer's site APR, balance transfer and cash advance vary by applicant

Sign-up bonus $200 Bilt Cash, about $200

Bonus

$200 Bilt Cash

Estimated value

$200

Spend to earn it less a month is easier

Not listed

Earning rates Top rate 4x

Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.

Dining

3x about 6.6% back

Flights

2x about 4.4% back

Hotels

2x about 4.4% back

4x via the issuer portal, about 8.8%

Travel (ground only)

2x about 4.4% back

Transit / Rideshare

2x about 4.4% back

Everything else

1x about 2.2% back

Only on this card

1.25x Rent and mortgage payments

Statement credits $100 a year

Travel booking

$100 a year $50 every 6 months
What counts
$100 Bilt Travel Hotel credit, applied twice a year as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings

Monthly credits to track fewer is less work

Transfer partners 27 partners

Partners

Alliance reach

Oneworld, SkyTeam, and Star Alliance

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

Status, lounges and travel No status or lounges

Other status perks

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

Protection and insurance 6 coverages

Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.

Trip delay

Trip Delay Reimbursement included on the Obsidian Card

Trip cancellation

Trip Cancellation and Interruption Protection included on the Obsidian Card

Baggage

Lost or Damaged Luggage Insurance included for Obsidian cardholders.

Rental car

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

Extended warranty

Extended Warranty protection included on the Obsidian Card

Other coverage

Purchase Assurance protection included on the Obsidian Card
Cellular Wireless Telephone Protection included on the Obsidian Card

Lifestyle and other perks 1 perk

Other perks

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

Authorized users Paid

Cost

$50 a year for each authorized user.

Each one 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

Application rules No known rules

Issuer approval rules

Not listed

Bonus eligibility

Not listed

Card type

Personal

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