Bilt Obsidian Card
Premium earning on dining or groceries with travel protections
Sign-up Bonus
$200 Bilt Cash signup bonus when you apply and get approved.
At the end of each calendar year, any Bilt Cash balance over $100 will expire.
Earn rates
Apply for the Bilt Obsidian Card
Takes just a few minutes. Seeing if you're approved won't impact your credit score.
Bonus rewards
Additional ways to earn and redeem on top of your everyday points.
Up to 1.25X
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
$100/year
$50 semi-annual Bilt Travel hotel statement credits
Why we like this card
The Bilt Obsidian Card is the sweet spot in the Bilt lineup, offering a strong earning structure for travelers who also love dining out or stocking up on groceries. You choose whether to earn 3X on dining or groceries annually, giving you flexibility to match the card to your spending habits. Grocery earn is on up to $25K spent per year, then you earn 1X in that category.
The $50 semi-annual Bilt Travel hotel statement credit (up to $100 per year) can help offset the annual fee when used on eligible hotel stays booked through Bilt Travel. Along with 2X on travel purchases and comprehensive trip protection benefits, it’s a well-rounded option for travelers.
For anyone spending $95 or more annually on hotels through Bilt Travel, this card pays for itself while providing significantly better earning rates than the Blue Card on your biggest spending categories.
Featured benefits
Additional perks included with your card. View full Guide to Benefits.
$100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
Trip Cancellation and Interruption Protection
Trip Delay Reimbursement
Extended Warranty
Lost or Damaged Luggage Insurance
3X on dining or grocery (your choice annually, up to $25K/yr on grocery)
10%
Intro APR on new eligible purchases for 12 billing cycles after account opening across all 3 cards.
After the intro period, a variable APR of 26.74% – 34.74% will apply.
Advertiser disclosure: This site is part of an affiliate sales network and may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. This relationship may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.