Bilt Obsidian Card

$200 of Bilt Cash when you apply and get approved. Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.

See Rates & Fees
Bilt Obsidian Card
Annual Fee
$95
Intro Purchase APR
N/A
Foreign Transaction Fee
$0
Regular APR
26.99 - 34.99% variable

Card Highlights

  • Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
  • 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
  • 2X points on travel
  • 1X points on everyday spend
  • Welcome offer: $200 of Bilt Cash when you apply and get approved. Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
  • $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
  • Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.

Rewards Earn Rates

  • Up to 1.25X points on rent and mortgage payments with no transaction fee, 3X points on your choice of grocery (up to $25K/year) or dining (your 3X category choice remains in effect for the entire calendar year), 2X points on travel, 1X points on everyday spend.

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