Bilt Obsidian Card
By Alex Compton · Last verified
Bilt's $95 middle tier: pick dining or groceries for 3x and keep earning on housing.
Welcome Bonus
None
$200 Bilt Cash upon approval with no minimum spend
Spend Requirement
None
Annual Fee
$95
No FTF
Credit Score
700+
(Good-Excellent)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-09-04 | 0 | No recorded spend | Terms reconfirmed$200 Bilt Cash upon approval with no minimum spend | Bilt card lineup and terms → |
| 2026-06 | 0 | No recorded spend | Terms reconfirmedPrior Credit Compound record represented $200 Bilt Cash as 10,000 points; corrected because Bilt Cash is a separate currency | Archive record · no attached snapshot |
| 2026-02 | 0 | No recorded spend | Earliest recordBilt 2.0 launch tier | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
Separated the $200 Bilt Cash welcome offer from Bilt Points and recorded current earning, housing-reward, hotel-credit and APR terms.
Fields: currentOffer, offerHistory, earningRates, benefits, pros, applyUrl, lastVerified
Bilt card lineup and terms →
Source checked 2026-09-04 · spot an outdated offer? Report a correction above.
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Earning Rates
- 6xBilt Neighborhood Dining, up to
- 4xHotels booked through Bilt Travel
- 3xDining or groceries, your choiceDining is the default; grocery capped at $25,000 per year
- 3xFlights booked through Bilt Travel
- 2xOther travel
- 1xEverything else
- 1.25xRent, mortgage & HOA, up toWith housing-only rewards; rate depends on everyday card spend relative to the housing payment
Credits ($100/yr stated)
- Bilt travel portal hotel credit$100
$50 semiannually
Benefits
- ✦Choose your own 3x category between dining and groceries each year
- ✦Option to take 4% Flexible Bilt Cash on everyday spend
- ✦Every $30 in Bilt Cash can unlock 1,000 housing points under Flexible Bilt Cash, up to 1x
- ✦No annual cap on eligible housing rewards and no five-transaction minimum
- ✦10% introductory APR on eligible purchases for the first 12 billing cycles
- ✦No foreign transaction fees
Why it earns its spot
- +Selectable 3x category is flexible for real budgets
- +$200 Bilt Cash on approval plus a $100 annual hotel credit
- +Housing earning on top of normal category earn
Where it costs you
- −$95 fee on a program still proving out its 2.0 mechanics
- −Authorized users cost $50 each
- −Grocery 3x caps at $25k per year
The Compound Verdict
The Obsidian is the right Bilt card for most people who actually spend on the card. The choose-your-own 3x plus 2x travel out-earns the Blue quickly, and the approval bonus plus hotel credit makes year one free. The whole proposition still hinges on Bilt points keeping their transfer value through the Cardless transition.
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