Bilt Obsidian Card

$200 in Bilt Cash at account opening, subject to eligibility; the current public offer has no welcome bonus in points.

Annual fee $95. Each authorized user costs $50 per year. No foreign transaction fees under the linked pricing table.

Choose dining or grocery for 3 Bilt Points per $1; the non-selected category earns 1x. Dining is the default. The grocery option is capped at $25,000 in combined account purchases per calendar year, then 1x. The initial change window is 30 days, followed by the January selection window. Eligible direct travel earns 2x and other eligible everyday purchases earn 1x. Separate program bonuses can bring Bilt Travel hotels to 4x total, flights to 3x and linked Lyft rides to 3x; Bilt restaurants offer up to 6x total when dining is selected. Do not add the card rate a second time.

Housing-only rewards use your everyday spending in the same billing cycle relative to your eligible housing payment: at least 25% earns 0.5x on housing, 50% earns 0.75x, 75% earns 1x and 100% earns 1.25x. Below the threshold, the eligible primary account receives a 250-point floor per cycle when a housing payment is made. A linked bank account, eligible Bilt payment and account in good standing are required. Alternatively, Flexible Bilt Cash earns 4% in Bilt Cash on eligible everyday purchases and lets you redeem $30 in Bilt Cash to unlock 1,000 housing points, up to 1x of the housing payment. These are alternative options; do not add both housing methods together.

Up to $100 in Bilt Travel hotel credits per calendar year: $50 January–June and $50 July–December. Requires an eligible stay of at least two nights booked through Bilt Travel, primary-holder card payment and opting in to the credit at checkout. The booking period determines the allocation; unused amounts do not roll over. Cancellations can reverse or forfeit credits; earnings apply to the net amount after credits.

Bilt Cash is separate from Bilt Points and is usable within Bilt’s ecosystem under redemption limits. It expires at calendar year-end, with up to $100 carried into the next year. Do not treat the face amount as an unrestricted cash payment or add it automatically to point valuations.

The point estimate starts with dining 3x and grocery 1x. Select the category already activated with Bilt: grocery 3x replaces dining 3x, up to $25,000 of grocery purchases per calendar year, then 1x; dining becomes 1x. Eligible direct travel, Bilt Travel bookings and linked Lyft rides use dedicated inputs starting at zero. Count each purchase once and remove it from other spending categories; displayed rates are totals. Housing, variable dining-partner bonuses, Bilt Cash and activated accelerators are not included automatically.

The card’s benefits guide specifies trip cancellation/interruption up to $2,000 per covered trip and $5,000 per eligible account in 12 consecutive months; covered reasons and required payment apply. Covered trip delays over six hours can reimburse up to $300 per trip, with one claim in 12 months. Purchase assurance covers eligible incidents within 90 days, up to $1,000 per loss and $50,000 per account in 12 months. Phone protection is up to $800 per claim and $1,000 per card in 12 months with a $50 deductible and qualifying bill payment. Rental coverage requires eligible payment and declining the agency’s collision waiver; it is secondary when other insurance applies, with the primary-coverage exceptions in the guide, and covers rentals up to 31 consecutive days. Extended warranty doubles an eligible original U.S. warranty of up to two years, adding no more than two years, with a $10,000 claim limit. Exclusions, claim deadlines and the actual policy govern.

New-account welcome bonuses exclude anyone who currently holds, previously held or already received a welcome bonus on a Bilt Card 2.0 issued by Column N.A. An upgrade offer is a separate account-specific offer. An alternate offer shown in the Bilt app or website can have different terms.

The linked pricing table lists variable purchase and balance-transfer APRs of 26.74%–34.74% and variable cash-advance APRs of 31.74%–34.74%. A 10% introductory APR applies to each new purchase posted in the first 12 billing cycles, for 12 billing cycles after that purchase posts; it is not a blanket 12-month 0% offer. Balance transfers and cash advances cost 5% with a $5 minimum. Rates depend on creditworthiness and the Prime Rate; review the current disclosure when applying.

Sources checked October 26, 2026: Bilt’s product page, Card 2.0 overview, current linked rates/fees disclosure and the card-specific benefits guide. Cards are issued by Column N.A., Member FDIC; Cardless is the servicer and is not a bank. All amounts are U.S. dollars; approval is subject to the issuer’s criteria.

Product page · Offer terms · Rates and fees · Benefits guide