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The Bilt Obsidian Card (see charges and costs) is the mid-tier card in Bilt Rewards’ Card 2.0 rollout.
For a $95 annual payment, cardholders can earn Bilt Factors at an elevated price in standard bonus classes, in addition to 4% Bilt Money on all nonhousing purchases. That is along with rewards earned on lease or mortgage funds.
New Bilt Obsidian cardholders obtain $200 in Bilt Money upon software and approval.
We love Bilt factors right here at TPG. Our January 2026 valuations place them at 2.2 cents per level, they usually’re transferable to stable switch companions, together with Alaska Airways Atmos Rewards and World of Hyatt.
The Bilt Obsidian Card is an effective selection for Bilt lovers who’re happy with a pair of bonus classes and a few journey perks. Nonetheless, the lackluster welcome bonus and slim advantages could depart some cardholders wanting extra. Card score*: ⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Bilt Obsidian: The fundamentals
Let’s get to know the Bilt Obsidian Card‘s core options.
- Annual payment: $95.
- Bilt Money incomes construction: Earn 4% Bilt Money on all nonhousing purchases, for those who select.
- Bilt factors incomes construction: Earn 3 factors per greenback spent on both eating or grocery purchases (on as much as $25,000 per 12 months), 2 factors per greenback spent on journey, and 1 level per greenback spent on different on a regular basis purchases.
- Housing incomes construction: Earn as much as 1.25 factors per greenback spent by means of the tiered-rewards possibility, or as much as 1 level per greenback spent for those who decide to earn Bilt Money.
- Journey credit score: Obtain $100 in Bilt Journey portal lodge credit every calendar 12 months.
- Welcome bonus: Earn $200 in Bilt Money once you apply and are authorized. Present cardholders of the previous Wells Fargo-backed Bilt Mastercard® are eligible for this provide.
The knowledge for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
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Associated: How good are Bilt’s first-ever welcome affords? Earn as much as 50,000 factors
Bilt Obsidian execs and cons
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Bilt Obsidian key advantages
For the reason that Bilt Obsidian Card prices a $95 annual payment, you should not anticipate a protracted checklist of perks. Nonetheless, there are just a few price contemplating:
A observe on Bilt Money
The Bilt Money you’ll be able to earn with the Bilt Obsidian Card could be redeemed contained in the Bilt Rewards platform in a number of methods, together with:
- Health courses
- Dwelling supply orders
- Resort bookings
- Lyft rides
- Unlocking factors on mortgage and lease funds; redeem $30 in Bilt Money to earn 1,000 Bilt factors on mortgage or lease funds, as much as the complete value of your housing funds
Redeeming Bilt Money is the only method to make sure you’re incomes factors on housing funds, so you may wish to use the Bilt Obsidian Card continuously sufficient to unlock its full points-earning capabilities.
For instance, for those who’re paying $2,000 in lease, you may must redeem $60 in Bilt Money to earn the complete 2,000 Bilt factors to your lease cost. Nonetheless, for those who redeem simply $30 in Bilt Money, you may earn 1,000 Bilt factors as an alternative. You will not pay a transaction payment.
Bilt Money expires on the finish of every calendar 12 months. Simply $100 in Bilt Money rolls over to the following 12 months.
If you happen to select to earn by means of the tiered-rewards possibility, you may must spend 75% of what your housing cost prices with a view to earn a full 1 level per greenback.
Utilizing the identical $2,000 lease instance, you’ll need to spend $1,500 on on a regular basis purchases in the identical month to earn the complete 2,000 factors type your lease funds. There may be additionally no transaction payment with this incomes possibility.
Associated: Are you eligible for a brand new Bilt Rewards card welcome provide? Your greatest Bilt card questions answered
How Bilt factors work
Easy methods to earn Bilt factors
The Bilt Obsidian Card earns:
- 4% Bilt Money on all nonhousing spending†
- 3 factors per greenback spent in your selection of both eating or grocery purchases (on as much as $25,000 per 12 months)
- 2 factors per greenback spent on journey
- 1 level per greenback spent on all nonhousing purchases‡
- As much as 1.25 factors per greenback spent on mortgage and lease funds
†Remember the fact that for those who go for the tier-rewards possibility, you will not earn Bilt Money.
‡Tax funds and purchases with on-line resale marketplaces (akin to eBay or Fb Market) don’t earn factors.
Easy methods to redeem Bilt factors
One of the simplest ways to get essentially the most out of your factors is to switch them to considered one of Bilt’s 23 airline and lodge companions. There are a number of high-value applications on this checklist, together with Air Canada Aeroplan, Southwest Airways Fast Rewards and United Airways MileagePlus.
I really like transferring my factors to Atmos Rewards to guide short-haul home flights on American Airways. I continuously discover award availability to fly American from Charlotte Douglas Worldwide Airport (CLT) to New York’s LaGuardia Airport (LGA) or Louisville Muhammad Ali Worldwide Airport (SDF) to go to pals for 4,500 to six,000 factors.
I additionally take pleasure in transferring factors to World of Hyatt, one of the vital award-friendly applications. Because of Hyatt’s profitable award chart, you’ll be able to guide award nights at luxurious properties for stable charges.
You may additionally redeem factors towards:
- Amazon.com purchases immediately
- Bilt Assortment purchases
- Bilt Journey bookings
- Health courses
- Subsequent month’s lease or mortgage
Nonetheless, these redemptions do not yield a price that matches our valuation of Bilt factors at 2.2 cents apiece, so we do not suggest these routes.
Drawbacks to contemplate
It might be difficult for some cardholders to maintain observe of how a lot spending they will must placed on the Bilt Obsidian Card to earn sufficient Bilt Money to unlock full factors on their housing cost (ought to they select to earn this fashion).
One other issue to contemplate is that bonus factors from grocery spending are capped at $25,000 in spending per 12 months.
Lastly, in order for you extra advantages and protections from a bank card, the Bilt Obsidian Card could not present sufficient.
Evaluating the Obsidian to different Bilt playing cards
If you happen to’re looking for a premium Bilt card with extra perks (akin to Precedence Move airport lounge entry) and an elevated incomes price throughout all nonhousing purchases, the Bilt Palladium Card (see charges and costs) suits the invoice.
The entry-level Bilt Blue Card (see charges and costs) is finest for those who do not wish to pay an annual payment and will not maximize the bonus classes on the Bilt Obsidian, because it earns 1 level per greenback spent on all nonhousing purchases.
Associated: Present Bilt cardholders: Key dates and deadlines as Bilt transitions to new card choices
Backside line
The Bilt Obsidian Card is a good possibility for Bilt Rewards lovers who wish to preserve annual charges low and maximize bonus classes, whereas incomes factors on mortgage or lease funds.
If you happen to do not plan to make use of the Bilt Obsidian Card continuously on nonhousing purchases, it is best to skip it. You may wish to spend sufficient on the cardboard to unlock the complete points-earning in your lease or mortgage funds.
And, in order for you lounge entry or extra advantages (akin to annual Bilt Money), you are higher off with the premium Bilt Palladium Card or one other top-tier journey card.
A cardholder who’s able to concentrate on Bilt Rewards, keep away from a excessive annual payment and spend continuously within the Bilt Obsidian Card’s bonus classes is within the good place to use. Given the excessive worth and adaptability of Bilt factors, you will not wish to miss out on them.
Apply right here: Bilt Obsidian Card
For charges and costs of the Bilt Obsidian Card, please click on right here.
For charges and costs of the Bilt Palladium Card, please click on right here.
For charges and costs of the Bilt Blue Card, please click on right here.
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