Card dossier
Bilt Obsidian
Issuer
Other
Annual fee
$95
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 24
Hotel boost: +9
Ongoing hotel value (conservative): ~$60
• $100 annual credits
Current $200 vs typical $200
Net value after annual fee: ~$165
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Bilt Obsidian
Welcome Offer
Earn $200 in Bilt Cash when you apply and are approved.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
1x on rent (no fees)
4x on dining
3x on grocery
2x on travel
1x on all other purchases
Must use card 5 times per statement to earn points
Key benefits
Earn points on rent payments with no transaction fees
Earn points on rent payments with no transaction fees
4x on dining, 3x on grocery, 2x on travel
4x on dining, 3x on grocery, 2x on travel
Transfer points to 15+ airline/hotel partners
Transfer points to 15+ airline/hotel partners
No foreign transaction fees
No foreign transaction fees
Perks
Rent Day (1st of month): double points on dining
Rent Day (1st of month): double points on dining
Transfer to Hyatt, AA, United, Air Canada, etc.
Transfer to Hyatt, AA, United, Air Canada, etc.
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$100 in statement credits per year
$100/year Bilt Travel hotel credit (2x $50 semiannual, requires 2-night minimum hotel booking).
Annual Fee Breakeven
Good fit for
About this card
The Bilt Obsidian is a travel rewards card with a $95 annual fee. Current public offer: Earn $200 in Bilt Cash when you apply and are approved.
Best for
occasional travelers, dining enthusiasts
Key considerations
Low annual fee of $95 is easy to offset with benefits.
Recent updates
Recent offer or rule changes that affected this card.
Card analysis
Offer analysis
The current offer on the Bilt Obsidian awards 200 Bilt Cash after spending $0 within 0 days of account opening.
Annual fee value
The $95 annual fee is largely offset by ongoing benefits including annual statement credits ($100), with an estimated total value of ~$100 per year.
In the first year, the sign-up bonus alone delivers approximately $205 in net value after the annual fee and benefit credits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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