The Bilt Obsidian Card (see rates and fees) is the mid-tier card in Bilt Rewards’ Card 2.0 rollout.
For a $95 annual payment, cardholders can earn Bilt Factors at an elevated fee in widespread bonus classes, in addition to 4% Bilt Cash on all nonhousing purchases. That is along with rewards earned on lease or mortgage funds.
New Bilt Obsidian cardholders obtain $200 in Bilt Money upon software 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 stable switch companions, together with Alaska Airlines Atmos Rewards and World of Hyatt.
The Bilt Obsidian Card is an efficient alternative for Bilt fans who’re happy with a pair of bonus classes and a few journey perks. Nonetheless, the lackluster welcome bonus and slim advantages might depart some cardholders wanting extra. Card score*: ⭐⭐⭐
*Card rating relies 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 payment: $95.
- Bilt Money incomes construction: Earn 4% Bilt Money on all nonhousing purchases, should 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 by way of the tiered-rewards option, or as much as 1 level per greenback spent should you choose to earn Bilt Money.
- Journey credit score: Obtain $100 in Bilt Journey portal resort credit every calendar 12 months.
- Welcome bonus: Earn $200 in Bilt Money whenever you apply and are accredited. Present cardholders of the outdated Wells Fargo-backed Bilt Mastercard® are eligible for this supply.
The data 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 execs and cons
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Bilt Obsidian key advantages
Because the Bilt Obsidian Card fees a $95 annual payment, you should not count on an extended record of perks. Nonetheless, there are just a few value contemplating:
A word on Bilt Money
The Bilt Money you possibly can earn with the Bilt Obsidian Card will be redeemed contained in the Bilt Rewards platform in a number of methods, together with:
- Health lessons
- Residence supply orders
- Resort bookings
- Lyft rides
- Unlocking factors on mortgage and lease funds; redeem $30 in Bilt Money to earn 1,000 Bilt factors on mortgage or lease funds, as much as the complete value of your housing funds
Redeeming Bilt Money is one in every of solely two methods to make sure you’re incomes factors on housing funds, so you may need to use the Bilt Obsidian Card often sufficient to unlock its full points-earning capabilities if that is the trail you go for.
For instance, should you’re paying $2,000 in lease, you may have to redeem $60 in Bilt Money to earn the complete 2,000 Bilt factors to your lease fee. Nonetheless, should you redeem simply $30 in Bilt Money, you may earn 1,000 Bilt factors as an alternative. You will not pay a transaction payment.
Bilt Money expires on the finish of every calendar 12 months. Simply $100 in Bilt Money rolls over to the subsequent 12 months.
In the event you select to earn by way of the tiered-rewards choice, you may have to spend 75% of what your housing fee prices as a way to earn a full 1 level per greenback.
Utilizing the identical $2,000 lease instance, you will want to spend $1,500 on on a regular basis purchases in the identical month to earn the complete 2,000 factors kind your lease funds. There may be additionally no transaction payment with this incomes choice.
Associated: Are you eligible for a new Bilt Rewards card welcome offer? Your biggest Bilt card questions answered
How Bilt factors work
How one 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 lease funds
†Remember the fact that should you go for the tier-rewards choice, you will not earn Bilt Money.
‡Tax funds and purchases with on-line resale marketplaces (reminiscent of eBay or Fb Market) don’t earn factors.
How one can redeem Bilt factors
One of the best ways to get probably the most out of your factors is to switch them to one in every of Bilt’s 23 airline and resort companions. There are a number of high-value packages on this record, together with Air Canada Aeroplan, Southwest Airlines Rapid Rewards and United Airlines MileagePlus.
I really like transferring my points to Atmos Rewards to e-book short-haul domestic flights on American Airlines. I often 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 get pleasure from transferring points to World of Hyatt, one of the vital award-friendly packages. Due to Hyatt’s profitable award chart, you possibly can e-book award nights at luxurious properties for stable charges.
You would additionally redeem factors towards:
- Amazon.com purchases immediately
- Bilt Assortment purchases
- Bilt Journey bookings
- Health lessons
- Subsequent month’s lease or mortgage
Nonetheless, these redemptions do not yield a worth 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 fashion).
One other issue to think about is that bonus factors from grocery spending are capped at $25,000 in spending per 12 months.
Lastly, if you’d like extra advantages and protections from a bank card, the Bilt Obsidian Card might not present sufficient.
Evaluating the Obsidian to different Bilt playing cards
In the event you’re searching for a premium Bilt card with extra perks (reminiscent of Precedence Move 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 finest should you do not need to pay an annual payment 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 choice for Bilt Rewards fans who need to hold annual charges low and maximize bonus classes, whereas incomes factors on mortgage or lease funds.
In the event you do not plan to make use of the Bilt Obsidian Card often on nonhousing purchases, you need to skip it. You may need to spend sufficient on the cardboard to unlock the complete points-earning in your lease or mortgage funds.
And, if you’d like lounge entry or extra advantages (reminiscent of 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 concentrate on Bilt Rewards, keep away from a excessive annual payment and spend often within the Bilt Obsidian Card’s bonus classes is within the good place to use. Given the excessive worth and suppleness of Bilt factors, you will not need to miss out on them.
Apply right here: Bilt Obsidian Card
For charges and costs of the Bilt Obsidian Card, please click on here.
For charges and costs of the Bilt Palladium Card, please click on here.
For charges and costs of the Bilt Blue Card, please click on here.
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