Bilt Obsidian Card
Bilt · Mastercard · 4.0 $200 in Bilt Cash on approval, no minimum spend required.
Offer last updated Oct 11, 2026 · Issuer’s rates & fees ↗
Apply now ›Rates & FeesRewards
up to 6x Bilt partner restaurants · 4x hotels via Bilt Travel · 3x dining or grocery — your choice (grocery up to $25,000/yr) · 3x flights via Bilt Travel · 3x Lyft (linked) · 2x other travel · 1x everything else · up to 1.25x rent & mortgage (scales with everyday spend)
Annual Fee
$95
Purchase Intro APR
10% intro APR on new eligible purchases for 12 billing cycles
Balance Transfer APR
—
Regular APR
26.74%–34.74% variable
Credit Needed
Good – Excellent
📖 Read the full guide: Bilt Rewards Guide: Earn Points on Rent With No Fee
See whether this is your next card in Points Path, or add it to your Rewards Wallet to track its perks.
Where these points can take you
- How to Fly to India With Points & Miles (Business & First Class)
- How to Fly to Europe With Points & Miles (Cheapest Business Class)
- How to Fly to the Middle East With Points & Miles
- How to Fly to Asia With Points & Miles (Japan, Hong Kong, Singapore & More)
- How to Fly to Australia & the South Pacific With Points & Miles
- How to Fly to Hawaii, Mexico & the Caribbean With Points
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Perks
- $100 Bilt Travel hotel credit ($50 twice a year)
- Points on rent & mortgage with no transaction fee
- Point Accelerator via Bilt Cash
- 25 airline & hotel transfer partners
- Cell phone protection
- MasterRental car rental coverage
- Trip cancellation/interruption & trip delay protection
- Purchase assurance & extended warranty
- No foreign transaction fees
Bilt Rewards partners
Move your points to these airline & hotel programs.
Aer Lingus AerClub1:1
Air Canada Aeroplan1:1
Air France-KLM Flying Blue1:1
Amtrak Guest Rewards2:1
Atmos Rewards (Alaska & Hawaiian)1:1
Avianca LifeMiles1:1
British Airways Club1:1
Cathay Pacific Asia Miles1:1
Emirates Skywards1:1
Etihad Guest1:1
Iberia Club1:1
Japan Airlines Mileage Bank1:1
Qatar Airways Privilege Club1:1
Southwest Rapid Rewards1:1
TAP Air Portugal Miles&Go1:1
Turkish Airlines Miles&Smiles1:1
United MileagePlus1:1
Virgin Atlantic Flying Club1:1
Virgin Red1:1
Accor Live Limitless3:2
Hilton Honors1:1
I Prefer Hotel Rewards1:2
IHG One Rewards1:1
Marriott Bonvoy1:1
World of Hyatt1:1
Wyndham Rewards1:1Full review
Bilt's mid-tier card for renters and homeowners who spend a lot on either dining or groceries. It earns points on rent or mortgage with no fee, and the $100 hotel credit covers the $95 fee if you book through Bilt Travel.
Advertiser disclosure: we may be compensated when you apply through links on this page. Terms apply — see the issuer’s Rates & Fees. Transfer ratios can change; verify with the issuer before transferring.