Bilt Obsidian Card
Bilt · MASTERCARD
The Bilt Obsidian Card is a credit card from Bilt on the MASTERCARD network. It earns up to 3x on dining & restaurants, 2x on travel. The welcome offer is Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Key facts
- Credit needed
- Excellent, Good
- Network
- MASTERCARD
- Welcome offer
- Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Reward rates by category
| Category | Rate | Detail |
|---|---|---|
| Dining & restaurants | up to 3x | 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. |
| Travel | 2x | 2X points on travel |
Benefits and perks
- 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. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- $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.
Questions about the Bilt Obsidian Card
What is the annual fee on the Bilt Obsidian Card?
Woodo does not currently hold verified annual fee data for the Bilt Obsidian Card. Check the issuer's own terms for the current fee.
What rewards does the Bilt Obsidian Card earn?
The Bilt Obsidian Card earns up to 3x on dining & restaurants, 2x on travel.
What credit score do you need for the Bilt Obsidian Card?
The Bilt Obsidian Card is generally listed for applicants with excellent or good credit. Approval also depends on income and the issuer's own criteria.
Is the Bilt Obsidian Card worth it?
The Bilt Obsidian Card is worth it when the rewards you would earn on your own spending exceed its annual fee. Upload a statement to Woodo and the calculation runs against your real categories rather than an assumed budget.
Community
Approval and real earn reports from cardholders are coming to this page soon.
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