Why am I thinking about getting the Bilt Obsidian card?
TLDR: With 3x on dining or groceries, I’m strongly considering getting the Bilt Obsidian Card card as my first ever Bilt card.

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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.