The Bilt Obsidian Card (see charges and charges) 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 charge in common 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, and so they’re transferable to stable switch companions, together with Alaska Airways Atmos Rewards and World of Hyatt.
The Bilt Obsidian Card is an efficient selection for Bilt fanatics who’re happy with a pair of bonus classes and a few journey perks. Nevertheless, the lackluster welcome bonus and slim advantages could go away 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, should you select.
- Bilt factors incomes construction: Earn 3 factors per greenback spent on both eating or grocery purchases (on as much as $25,000 per yr), 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 should you decide to earn Bilt Money.
- Journey credit score: Obtain $100 in Bilt Journey portal lodge credit every calendar yr.
- Welcome bonus: Earn $200 in Bilt Money whenever you apply and are authorized. Present cardholders of the outdated Wells Fargo-backed Bilt Mastercard® are eligible for this provide.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 presents? Earn as much as 50,000 factors
Bilt Obsidian execs and cons
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Bilt Obsidian key advantages
Because the Bilt Obsidian Card prices a $95 annual payment, you should not anticipate a protracted checklist of perks. Nevertheless, there are a couple of value contemplating:
A notice on Bilt Money
The Bilt Money you possibly can earn with the Bilt Obsidian Card will be redeemed contained in the Bilt Rewards platform in a number of methods, together with:
- Health lessons
- House supply orders
- Lodge 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 total worth of your housing funds
Redeeming Bilt Money is the only real manner to make sure you’re incomes factors on housing funds, so you will need to use the Bilt Obsidian Card regularly sufficient to unlock its full points-earning capabilities.
For instance, should you’re paying $2,000 in lease, you will must redeem $60 in Bilt Money to earn the total 2,000 Bilt factors on your lease fee. Nevertheless, should you redeem simply $30 in Bilt Money, you will earn 1,000 Bilt factors as an alternative. You will not pay a transaction payment.
Bilt Money expires on the finish of every calendar yr. Simply $100 in Bilt Money rolls over to the subsequent yr.
In case you select to earn by means of the tiered-rewards possibility, you will must spend 75% of what your housing fee prices as a way to earn a full 1 level per greenback.
Utilizing the identical $2,000 lease instance, you have to to spend $1,500 on on a regular basis purchases in the identical month to earn the total 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
Learn how 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 yr)
- 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 should you 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.
Learn how to redeem Bilt factors
The easiest way to get probably the most out of your factors is to switch them to one in every 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 Speedy Rewards and United Airways MileagePlus.
I like transferring my factors to Atmos Rewards to e book short-haul home flights on American Airways. I regularly 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 associates for 4,500 to six,000 factors.
I additionally take pleasure in transferring factors to World of Hyatt, probably the most award-friendly applications. Because of Hyatt’s profitable award chart, you possibly can e book award nights at luxurious properties for stable charges.
You might additionally redeem factors towards:
- Amazon.com purchases immediately
- Bilt Assortment purchases
- Bilt Journey bookings
- Health lessons
- Subsequent month’s lease or mortgage
Nevertheless, these redemptions do not yield a worth that matches our valuation of Bilt factors at 2.2 cents apiece, so we do not advocate 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 fee (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 yr.
Lastly, if you’d like extra advantages and protections from a bank card, the Bilt Obsidian Card could not present sufficient.
Evaluating the Obsidian to different Bilt playing cards
In case you’re in search of a premium Bilt card with extra perks (akin to Precedence Go airport lounge entry) and an elevated incomes charge throughout all nonhousing purchases, the Bilt Palladium Card (see charges and charges) matches the invoice.
The entry-level Bilt Blue Card (see charges and charges) is finest should you do not need 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 fanatics who need to preserve annual charges low and maximize bonus classes, whereas incomes factors on mortgage or lease funds.
In case you do not plan to make use of the Bilt Obsidian Card regularly on nonhousing purchases, you need to skip it. You may need to spend sufficient on the cardboard to unlock the total points-earning in your lease or mortgage funds.
And, if you’d like 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 deal with Bilt Rewards, keep away from a excessive annual payment and spend regularly 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 need to miss out on them.
Apply right here: Bilt Obsidian Card
For charges and charges of the Bilt Obsidian Card, please click on right here.
For charges and charges of the Bilt Palladium Card, please click on right here.
For charges and charges of the Bilt Blue Card, please click on right here.
