Bilt Obsidian Card
$200 Bilt Cash welcome bonus. $95 a year.
- Welcome offer
- Issuer's pagebilt.com
“$200 of Bilt Cash”
- Annual fee
- Issuer's pagebilt.com
“$95 annual fee †”
- Purchase APR
- Issuer's pagebilt.com
“No foreign transaction fees.† 10% intro APR on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†”
- Foreign transaction fee
- Issuer's pagebilt.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $125 | $120 |
| Typical spender | $440 | $440 |
| Heavy spender | $1,070 | $1,070 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1.25x Rent and mortgage payments with Housing-only rewards; up to 1.25X depending on everyday spending during the billing cycle; points valued at an assumed 1¢; not counted: 3x Flights booked through the Bilt Travel Portal; not counted: 4x Hotels booked through the Bilt Travel Portal.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 85% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$200 cash
No minimum spend required; awarded upon approval
Available to new Bilt Card 2.0 cardholders; subject to change and approval and eligibility.
How you earn · Bilt Rewards
- 6× pointsBilt partner restaurants; 20,000+ participating U.S. restaurants
- 3× pointsDining, when selected as the 3X category; dining is uncapped
- 3× pointsGrocery, when selected as the 3X category
- 4× pointsHotels booked through the Bilt Travel Portal
- 3× pointsFlights booked through the Bilt Travel Portal
- 2× pointsLyft, after linking Bilt and Lyft accounts
- 2× pointsOther travel
- 1.25× pointsRent and mortgage payments with Housing-only rewards; up to 1.25X depending on everyday spending during the billing cycle
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pagebilt.com “$95 annual fee †” |
|---|---|
| Purchase APR | Issuer's pagebilt.com “No foreign transaction fees.† 10% intro APR on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†” |
| Intro APR | Issuer's pagebilt.com “No foreign transaction fees.† 10% intro APR on new eligible purchases for the first 12 billing cycles, then a variable APR of 26.74%–34.74%.†” |
| Foreign transactions | Issuer's pagebilt.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Bilt Travel Hotel credit: $50 semiannual
- No foreign transaction fees.
- No transaction fee on rent and mortgage payments made through Bilt.
- Bilt Travel Portal hotel credit can be combined with Bilt Cash and Bilt Points.
- Bilt partner network includes 50,000+ merchants.
- Rental car
- Trip cancellation
- Trip delay
- Purchase protection
- Cell phone
- Extended warranty
Questions
- What is the annual fee?
- $95 bilt.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. bilt.com, since Sep 29, 2026
- What is the purchase APR?
- 26.74–34.74% APR bilt.com, since Sep 29, 2026
- Is there an intro APR?
- 10% for 12 billing cycles after account opening. bilt.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back. bilt.com, since Sep 29, 2026
Other points cards with fees up to $100
- Citi Strata Premier - TravelCiti · $95 a year+$30 a year
- Bank of America Premium RewardsBank of America · $95 a year−$60 a year
- Royal ONE PlusBank of America · $99 a year−$105 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).