Our illustration, not the card’s design
Bilt credit card
Bilt Blue Obsidian Card
$95 a year.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · bilt.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · bilt.com
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $60 | $60 | |
| Typical spender | $315 | $315 | |
| Heavy spender | $780 | $780 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt (up to 1.25X, based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100%+); points valued at an assumed 1¢; not counted: 2x Flights (booked on Bilt Travel Portal); not counted: 3x Hotels (booked on Bilt Travel Portal).
$60a year
The same in the first year and after.
Rewards and credits$155
You keep $60−$95 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt (up to 1.25X, based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100%+); points valued at an assumed 1¢.
$315a year
The same in the first year and after.
Rewards and credits$410
You keep $315−$95 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt (up to 1.25X, based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100%+); points valued at an assumed 1¢.
$780a year
The same in the first year and after.
Rewards and credits$875
You keep $780−$95 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 1.25x Rent and mortgage payments made through Bilt (up to 1.25X, based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100%+); not counted: 2x Flights (booked on Bilt Travel Portal); not counted: 3x Hotels (booked on Bilt Travel Portal); points valued at an assumed 1¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 75% of the 732 cards we track.
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$230 a year
- Chase Sapphire PreferredChase · $95 a year+$170 a year
- Citi Strata Premier - TravelCiti · $95 a year+$155 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Bilt Rewards
How you earn
- 4×
- Bilt partner restaurants (20,000+ U.S. restaurants)
- 3×
- Hotels (booked on Bilt Travel Portal)Lyft, after linking Bilt and Lyft accounts
- 2×
- Flights (booked on Bilt Travel Portal)
- 1.25×
- Rent and mortgage payments made through Bilt (up to 1.25X, based on everyday spend in the billing cycle: 0.5X at 25% of housing payment, 0.75X at 50%, 1X at 75%, 1.25X at 100%+)
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- No foreign transaction fees
- Rental car
- Purchase protection
- Cell phone
- Other
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bilt.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · bilt.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)