Bilt Obsidian Card
The Bilt Obsidian Card is the mid-tier card in Bilt's 2.0 lineup, designed for those who want to earn valuable, transferable points on everyday spending while also earning rewards on rent and mortgage payments. Choose dining or grocery as your 3x bonus category annually, earn 2x on travel, and unlock points on housing payments through Bilt Cash. The $100 annual Bilt Travel Hotel credit effectively offsets the $95 annual fee. Issued by Column N.A. and powered by Mastercard World Elite.
$200 Bilt Cash on approval — no minimum spend required
Best For: Dining or grocery maximizers who pay rent or mortgage
$95/year
Card Benefits
Other Benefits
Rent & Mortgage Rewards
Up to 1.25x
Earn up to 1.25x points on rent and mortgage payments through Bilt Pay with no transaction fees. Minimum floor of 250 points.
BILT1x Points — Everything Else
1x points
Earn 1x points on all other purchases.
BILT3x Points — Dining or Grocery
3x points
Choose dining or grocery as your 3x bonus category each year. Grocery capped at $25,000/year in purchases.
BILT$100 Bilt Travel Hotel Credit
$100/year
$100 annual hotel credit via Bilt Travel, split into two $50 periods (Jan–Jun, Jul–Dec). Minimum 2-night stay required.
BILT4% Bilt Cash Back
4% cash back
Opt into Bilt Cash to earn 4% back on non-housing purchases. Unused balance rolls over up to $100.
BILTFee Waiver
Included
No transaction fees on rent and mortgage payments made through Bilt Pay.
BILT2x Points — Travel
2x points
Earn 2x points on travel purchases including airlines, hotels, motels, resorts, cruise lines, and car rentals.
BILTNeighborhood Rewards
Varies
Stack bonus points at 50,000+ Bilt neighborhood partners including Lyft, Walgreens, Metropolis, and more.
BILTRent Day Double Points
2x bonus
Earn double points on all non-housing purchases on the 1st of every month. Capped at 1,000 bonus points.
BILTWelcome Bonus
$200 Bilt Cash
Earn $200 in Bilt Cash on approval — no minimum spend required.
BILTWelcome Bonus
$200 Bilt Cash
Earn $200 in Bilt Cash on approval — no minimum spend required.
BILT3x Points — Dining or Grocery
3x points
Choose dining or grocery as your 3x bonus category each year. Grocery capped at $25,000/year in purchases.
BILT2x Points — Travel
2x points
Earn 2x points on travel purchases including airlines, hotels, motels, resorts, cruise lines, and car rentals.
BILT1x Points — Everything Else
1x points
Earn 1x points on all other purchases.
BILT4% Bilt Cash Back
4% cash back
Opt into Bilt Cash to earn 4% back on non-housing purchases. Unused balance rolls over up to $100.
BILTRent & Mortgage Rewards
Up to 1.25x
Earn up to 1.25x points on rent and mortgage payments through Bilt Pay with no transaction fees. Minimum floor of 250 points.
BILT$100 Bilt Travel Hotel Credit
$100/year
$100 annual hotel credit via Bilt Travel, split into two $50 periods (Jan–Jun, Jul–Dec). Minimum 2-night stay required.
BILTNeighborhood Rewards
Varies
Stack bonus points at 50,000+ Bilt neighborhood partners including Lyft, Walgreens, Metropolis, and more.
BILTRent Day Double Points
2x bonus
Earn double points on all non-housing purchases on the 1st of every month. Capped at 1,000 bonus points.
BILTFee Waiver
Included
No transaction fees on rent and mortgage payments made through Bilt Pay.
BILTBILT's secure site. Terms & restrictions apply. See rates & fees disclaimer.
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