Bilt Obsidian Card
Rates and Fees

Bilt Obsidian Card

Welcome offer: $200 of Bilt Cash when you apply and get approved. Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
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3X points on your choice of grocery (up to $25K/year) or dining (your 3X category choice remains in effect for the entire calendar year)
2X points on travel
Up to 1.25X points on rent and mortgage payments with no transaction fee
1X points on everyday purchases
Welcome offer: $200 of Bilt Cash
$95
26.99% to 34.99% variable
(690-850) Excellent, Good

  • Cash Back & Rewards

    Up to 1.25X points on rent and mortgage payments with no transaction fee, 3X points on your choice of grocery (up to $25K/year) or dining (your 3X category choice remains in effect for the entire calendar year), 2X points on travel, 1X points on everyday purchases

  • Airline Rewards

    2X points on travel

  • Hotel Rewards

    2X points on travel

  • No Foreign Fee

    None

  • Intro Bonus

    Welcome offer: $200 of Bilt Cash when you apply and get approved. Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.

  • Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
  • 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
  • 2X points on travel
  • 1X points on everyday spend
  • Welcome offer: $200 of Bilt Cash when you apply and get approved. Each Bilt Cash award expires 12 months after you earn it, on the last day of that month.
  • $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
  • Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
  • Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.

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Bilt Obsidian Card
Rates and Fees

Make the Ultimate Credit Card Upgrade!

Bilt Obsidian Card may be a better fit for your wallet. Apply today to see if you qualify!

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Rates and Fees
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