Our illustration in the card’s colours, not its design
Bilt credit card
Bilt Obsidian Card
$95 a year. 200 Bilt Cash welcome bonus.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · bilt.com
“$200 of Bilt Cash”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · bilt.com
“$95 annual fee †”
- 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.
Bilt’s terms
Welcome offer
$200 cash
No minimum spend required; awarded upon approval
Available to new Bilt Card 2.0 cardholders; subject to change and approval and eligibility.
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 | $160 | $155 | |
| Typical spender | $550 | $545 | |
| Heavy spender | $1,285 | $1,285 |
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 (housing rewards): 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% or more); 250 points if the 25% minimum is not met; points valued at an assumed 1¢; not counted: 3x Flights booked on Bilt Travel Portal; not counted: 4x Hotels booked on Bilt Travel Portal.
$155a year
$160 the first year, with the welcome bonus.
Rewards and credits$250
You keep $155−$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 (housing rewards): 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% or more); 250 points if the 25% minimum is not met; points valued at an assumed 1¢.
$545a year
$550 the first year, with the welcome bonus.
Rewards and credits$640
You keep $545−$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 (housing rewards): 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% or more); 250 points if the 25% minimum is not met; points valued at an assumed 1¢.
$1,285a year
The same in the first year and after.
Rewards and credits$1,380
You keep $1,285−$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 (housing rewards): 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% or more); 250 points if the 25% minimum is not met; not counted: 3x Flights booked on Bilt Travel Portal; not counted: 4x 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 95% of the 732 cards we track.
- Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Chase Sapphire PreferredChase · $95 a year−$60 a year
- Citi Strata Premier - TravelCiti · $95 a year−$75 a year
- Bank of America Premium RewardsBank of America · $95 a year−$165 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
Rewards
How you earn
- 6×
- Bilt partner restaurants (20,000+ U.S. restaurants), up to 6X; the 6X is the 3X dining base plus the neighborhood dining bonus when dining is the selected 3X category
- 4×
- Hotels booked on Bilt Travel Portal
- 3×
- Other dining (your choice of dining or grocery as the 3X category; dining is uncapped)Grocery (your choice of dining or grocery as the 3X category; grocery up to $25K/year)Flights booked on Bilt Travel PortalLyft (after linking Bilt and Lyft accounts); 3X total including 1X base
- 2×
- Other travel
- 1.25×
- Rent and mortgage payments (housing rewards): 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% or more); 250 points if the 25% minimum is not met
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 1¢.
Benefits
- Bilt Travel Hotel credit: $50 semiannual
- No foreign transaction fees.
- Additional 25% back?
- Rental car
- Trip cancellation
All 9 benefits
- Trip delay
- Purchase protection
- Cell phone
- Extended warranty
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · bilt.com “$95 annual fee †” |
|---|---|
| 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)