{"card":{"slug":"bilt-obsidian","name":"Bilt Obsidian Card","issuer":"bilt","currency":"Bilt Points"},"status":"recent","lastVerified":"2026-09-04","officialSource":"https://www.bilt.com/card","history":[{"date":"2026-02","bonus":0,"spend":0,"months":0,"note":"Bilt 2.0 launch tier"},{"date":"2026-06","bonus":0,"spend":0,"months":0,"note":"Prior Credit Compound record represented $200 Bilt Cash as 10,000 points; corrected because Bilt Cash is a separate currency"},{"date":"2026-09-04","bonus":0,"spend":0,"months":0,"note":"$200 Bilt Cash upon approval with no minimum spend","observedOn":"2026-09-04","sourceUrl":"https://www.bilt.com/card","sourceLabel":"Bilt card lineup and terms"}],"verificationEvents":[{"id":"6881efda-02bd-4d11-9653-ce94307f460e","entityType":"card","slug":"bilt-obsidian","checkedAt":"2026-09-05T03:08:00.000Z","recordedAt":"2026-09-05T03:19:42.520Z","sourceUrl":"https://www.bilt.com/card","sourceLabel":"Bilt card lineup and terms","outcome":"changed","summary":"Separated the $200 Bilt Cash welcome offer from Bilt Points and recorded current earning, housing-reward, hotel-credit and APR terms.","changedFields":["currentOffer","offerHistory","earningRates","benefits","pros","applyUrl","lastVerified"],"facts":{"welcomePoints":0,"welcomeBiltCash":200,"annualFee":95,"hotelCredit":100,"housingRateUpTo":1.25},"previousHash":"5c7eefbac6e43c7c7cefa65194befd3202089ece155e347135b9dbce5f445688","recordHash":"1c901366c4bbd3f3935328caa1eca90d9e55b2a4f7ec8dbca4866ccdf9661294"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}