Can I earn 3x on dining and groceries with the Bilt Obsidian?

You can earn 3x on dining OR groceries, you can't earn 3x on both. Furthermore, if you elect to earn 3x on grocery spend, its capped at $25k/year.

Is there a limit on the amount of Bilt points I can earn?

Nope. There is no limit on the amount of Bilt points you can earn with any of the Bilt 2.0 cards (outside of the $25k limit for 3x on grocery spend). This accounts for both rent/mortgage payments as well as everyday spend.

Can I earn Bilt points without a Bilt card?

Yes! You can sign up for a free Bilt Rewards account and link one of your credit cards (not a Bilt card). And then spend at one of the opportunities (Lyft rides, Bilt dining, fitness classes etc. etc.) via BIlt Rewards to earn Bilt points.

Is there a cap on earning points with dining or grocery with the Bilt Obsidian?

Yes. You can earn 3x points on up to $25,000 of grocery spend. After spending $25,000 in grocery, you will revert back to 1x points earning. There is no cap for dining spend.

What are the key features on the Bilt Obsidian card?

The Bilt Obsidian card has a number of great benefits and earn rates: $200 of Bilt Cash as a welcome bonus, 3x Bilt points on dining or groceries (grocery up $25k/year), 2x Bilt points on travel, 1x Bilt points on all other spend, $100 of Bilt Travel credit, and Travel Insurance.

Why am I thinking about getting the Bilt Obsidian card?

Advertiser Disclosure: nextcard may receive compensation from card issuers. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain. For the most up-to-date terms & conditions, refer to the official credit card application on the issuer's website.

The Bilt Obsidian Card card is an intriguing card.

Some folks are drawn to the Bilt Blue Card for the $0 annual fee or the Bilt Palladium Card for the large welcome bonus and everyday spend on all categories but the Bilt Obsidian might take the crown for you if you spend a lot on dining or groceries.

What are some of the key features on the Bilt Obsidian card?

*For differentiation, ฿ is used as the symbol for Bilt Cash

The Bilt Obsidian card has a number of great benefits and earn rates:

$200 of Bilt Cash as a welcome bonus
3x Bilt points on dining or groceries (grocery up $25k/year)
2x Bilt points on travel
1x Bilt points on all other spend
$100 of Bilt Travel credit
Travel Insurance

The 3x Bilt points on dining or groceries is by far the best feature of the Bilt Obsidian card. If your spending is mostly on dining or groceries, you can actually earn more Bilt points than if you had the Bilt Palladium card.

How does my situation hold up on the Bilt 2.0 Calculator?

So to give you some context on my situation, I pay $1,250 for rent in an apartment with friends. I spend $500 on groceries, about $150 on dining and $100 on miscellaneous spending.

With Option 1 of Bilt point earning where rent earns Bilt Points calculated via tiered multiplier determined by non-rent spending, you can see that I’ll earn 2,688 Bilt points monthly.

Why am I thinking about getting the Bilt Obsidian card?

What are some of the key features on the Bilt Obsidian card?

How does my situation hold up on the Bilt 2.0 Calculator?

Related Articles

What’s the $100 in Bilt travel hotel credit?

Do I get insurance benefits on the Bilt Obsidian?

What transfer partners does Bilt have?

Airline partners

Hotel partners

How do I use my Bilt points?

Final Remarks

FAQs