MastercardBilt Obsidian Card
Bilt's $95 middle tier: pick dining or groceries for 3x and keep earning on housing.
Welcome Bonus
10,000
≈$200 value
Spend Requirement
None
Annual Fee
$95
No FTF
Credit Score
700+
(Good-Excellent)
Current offer note: $200 Bilt Cash on approval, no spend requirement
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-11 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 3xDining or groceries, your choice annually
- 2xTravel
- 1xEverything else
- 1xRent and mortgage
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 unlocks roughly 1,000 points on housing payments
- ✦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 hotel credit covers year one easily
- +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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