Bilt
Bilt Obsidian Card
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+)
Rates and offer last verified June 5, 2026.
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
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 Card lands.
Calculate My Card