The Bilt Obsidian Card (see rates and fees) is the mid-tier card in Bilt Rewards’ Card 2.0 rollout.
For a $95 annual charge, cardholders can earn Bilt Factors at an elevated fee in standard bonus classes, in addition to 4% Bilt Cash on all nonhousing purchases. That is along with rewards earned on hire or mortgage funds.
New Bilt Obsidian cardholders obtain $200 in Bilt Money upon utility and approval.
We love Bilt factors right here at TPG. Our January 2026 valuations place them at 2.2 cents per level, they usually’re transferable to strong switch companions, together with Alaska Airlines Atmos Rewards and World of Hyatt.
The Bilt Obsidian Card is an effective alternative for Bilt lovers who’re happy with a pair of bonus classes and a few journey perks. Nevertheless, the lackluster welcome bonus and slim advantages could go away some cardholders wanting extra. Card score*: ⭐⭐⭐
*Card rating is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Bilt Obsidian: The fundamentals
Let’s get to know the Bilt Obsidian Card‘s core options.
- Annual charge: $95.
- Bilt Money incomes construction: Earn 4% Bilt Money on all nonhousing purchases, when you select.
- Bilt factors incomes construction: Earn 3 factors per greenback spent on both eating or grocery purchases (on as much as $25,000 per 12 months), 2 factors per greenback spent on journey, and 1 level per greenback spent on different on a regular basis purchases.
- Housing incomes construction: Earn as much as 1.25 factors per greenback spent via the tiered-rewards option, or as much as 1 level per greenback spent when you decide to earn Bilt Money.
- Journey credit score: Obtain $100 in Bilt Journey portal lodge credit every calendar 12 months.
- Welcome bonus: Earn $200 in Bilt Money if you apply and are permitted. Present cardholders of the previous Wells Fargo-backed Bilt Mastercard® are eligible for this supply.
The knowledge for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
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Associated: How good are Bilt’s first-ever welcome offers? Earn up to 50,000 points
Bilt Obsidian professionals and cons
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Bilt Obsidian key advantages
For the reason that Bilt Obsidian Card prices a $95 annual charge, you should not count on an extended listing of perks. Nevertheless, there are a number of price contemplating:
A notice on Bilt Money
The Bilt Money you possibly can earn with the Bilt Obsidian Card could be redeemed contained in the Bilt Rewards platform in a number of methods, together with:
- Health lessons
- Dwelling supply orders
- Lodge bookings
- Lyft rides
- Unlocking factors on mortgage and hire funds; redeem $30 in Bilt Money to earn 1,000 Bilt factors on mortgage or hire funds, as much as the complete worth of your housing funds
Redeeming Bilt Money is certainly one of solely two methods to make sure you’re incomes factors on housing funds, so you may wish to use the Bilt Obsidian Card regularly sufficient to unlock its full points-earning capabilities if that is the trail you go for.
For instance, when you’re paying $2,000 in hire, you may have to redeem $60 in Bilt Money to earn the complete 2,000 Bilt factors in your hire fee. Nevertheless, when you redeem simply $30 in Bilt Money, you may earn 1,000 Bilt factors as an alternative. You will not pay a transaction charge.
Bilt Money expires on the finish of every calendar 12 months. Simply $100 in Bilt Money rolls over to the subsequent 12 months.
When you select to earn via the tiered-rewards possibility, you may have to spend 75% of what your housing fee prices so as to earn a full 1 level per greenback.
Utilizing the identical $2,000 hire instance, you’ll need to spend $1,500 on on a regular basis purchases in the identical month to earn the complete 2,000 factors kind your hire funds. There’s additionally no transaction charge with this incomes possibility.
Associated: Are you eligible for a new Bilt Rewards card welcome offer? Your biggest Bilt card questions answered
How Bilt factors work
How you can earn Bilt factors
The Bilt Obsidian Card earns:
- 4% Bilt Money on all nonhousing spending†
- 3 factors per greenback spent in your alternative of both eating or grocery purchases (on as much as $25,000 per 12 months)
- 2 factors per greenback spent on journey
- 1 level per greenback spent on all nonhousing purchases‡
- As much as 1.25 factors per greenback spent on mortgage and hire funds
†Remember the fact that when you go for the tier-rewards possibility, you will not earn Bilt Money.
‡Tax funds and purchases with on-line resale marketplaces (comparable to eBay or Fb Market) don’t earn factors.
How you can redeem Bilt factors
One of the simplest ways to get essentially the most out of your factors is to switch them to certainly one of Bilt’s 23 airline and lodge companions. There are a number of high-value packages on this listing, together with Air Canada Aeroplan, Southwest Airlines Rapid Rewards and United Airlines MileagePlus.
I like transferring my points to Atmos Rewards to e-book short-haul domestic flights on American Airlines. I regularly discover award availability to fly American from Charlotte Douglas Worldwide Airport (CLT) to New York’s LaGuardia Airport (LGA) or Louisville Muhammad Ali Worldwide Airport (SDF) to go to associates for 4,500 to six,000 factors.
I additionally take pleasure in transferring points to World of Hyatt, one of the award-friendly packages. Because of Hyatt’s profitable award chart, you possibly can e-book award nights at luxurious properties for strong charges.
You can additionally redeem factors towards:
- Amazon.com purchases instantly
- Bilt Assortment purchases
- Bilt Journey bookings
- Health lessons
- Subsequent month’s hire or mortgage
Nevertheless, these redemptions do not yield a price that matches our valuation of Bilt factors at 2.2 cents apiece, so we do not advocate these routes.
Drawbacks to think about
It might be difficult for some cardholders to maintain monitor of how a lot spending they’re going to have to placed on the Bilt Obsidian Card to earn sufficient Bilt Money to unlock full factors on their housing fee (ought to they select to earn this manner).
One other issue to think about is that bonus factors from grocery spending are capped at $25,000 in spending per 12 months.
Lastly, in order for you extra advantages and protections from a bank card, the Bilt Obsidian Card could not present sufficient.
Evaluating the Obsidian to different Bilt playing cards
When you’re in search of a premium Bilt card with extra perks (comparable to Precedence Go airport lounge entry) and an elevated incomes fee throughout all nonhousing purchases, the Bilt Palladium Card (see rates and fees) matches the invoice.
The entry-level Bilt Blue Card (see rates and fees) is greatest when you do not wish to pay an annual charge and will not maximize the bonus classes on the Bilt Obsidian, because it earns 1 level per greenback spent on all nonhousing purchases.
Associated: Current Bilt cardholders: Key dates and deadlines as Bilt transitions to new card options
Backside line
The Bilt Obsidian Card is a good possibility for Bilt Rewards lovers who wish to hold annual charges low and maximize bonus classes, whereas incomes factors on mortgage or hire funds.
When you do not plan to make use of the Bilt Obsidian Card regularly on nonhousing purchases, you need to skip it. You will wish to spend sufficient on the cardboard to unlock the complete points-earning in your hire or mortgage funds.
And, in order for you lounge entry or extra advantages (comparable to annual Bilt Money), you are higher off with the premium Bilt Palladium Card or another top-tier travel card.
A cardholder who’s able to give attention to Bilt Rewards, keep away from a excessive annual charge and spend regularly within the Bilt Obsidian Card’s bonus classes is within the good place to use. Given the excessive worth and adaptability of Bilt factors, you will not wish to miss out on them.
Apply right here: Bilt Obsidian Card
For charges and charges of the Bilt Obsidian Card, please click on here.
For charges and charges of the Bilt Palladium Card, please click on here.
For charges and charges of the Bilt Blue Card, please click on here.
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