Bilt
Bilt Obsidian
Transfers to airlines & hotels
Annual fee
$95/yr
Welcome bonus
$200 in Bilt Cash on account opening
Min spend
N/A
Recommended credit
Good to Excellent (700+)
Offer last verified June 17, 2026. How we verify.
Earning rates
3x points on dining OR grocery (your choice, up to $25k/yr)
2x on travel purchases
1x on all other purchases
Earn Bilt Points on rent and mortgage, no transaction fee
Transfer points to 15+ airline and hotel partners
Features & benefits
$100 annual Bilt Travel Hotel credit
No foreign transaction fees
Trip cancellation/interruption insurance
Purchase protection and rental car insurance
Statement credits
$200 Bilt Cash on account opening
$100 annual Bilt Travel Hotel credit
Transfer partners
Your Bilt Points transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:
Airline partners
United Airlines, Alaska Airlines, American Airlines, Air Canada Aeroplan, Emirates Skywards, Cathay Pacific Asia Miles
See exactly what a flight award costs
Stop guessing at point values. Look up the real mileage price and live seat availability for a specific flight.
Search award flights on seats.aero →Hotel partners
See what a hotel award costs
Look up the live points price and availability for a specific hotel stay before you book.
Search award stays on rooms.aero →See the full Bilt ecosystem, card lineup, and live transfer bonuses →
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Bilt Obsidian lands.
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