Bilt Obsidian Card
$200 of Bilt Cash
Welcome offer: $200 of Bilt Cash when you apply and get approved.
Rewards Rates
1 - 3X points
Annual Fee
$95
Regular APR
26.74 - 34.74% variable
Recommended Credit
Good Credit, Excellent Credit
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
$200 of Bilt Cash
Welcome offer: $200 of Bilt Cash when you apply and get approved.
1 - 3X points
$95
26.74 - 34.74% variable
Good Credit, Excellent Credit
The Bilt Obsidian Card is built for members who want to earn more from everyday spending categories like dining or groceries while still earning rewards on rent or mortgage payments. It offers elevated category earnings and added travel perks within the Bilt ecosystem. (Partner offer)
Read the full reviewThis card is a strong fit for members whose spending centers around dining, groceries and travel and who don’t want to pay the annual fee of a premium-tier product.
Cardholders earn unlimited up to 1.25 Bilt Point per dollar spent on rent and mortgage payments, bonus points in select categories and Bilt Cash on everyday purchases (as long as that is the selected earning option; up to $100 of Bilt Cash earned rolls over to the next year). Rewards can be transferred 1:1 to over 20 airline and hotel partners, redeemed within the Bilt ecosystem or applied toward future rent or mortgage payments.
Rewards Rates
Intro Offer
$200 of Bilt Cash
Welcome offer: $200 of Bilt Cash when you apply and get approved.
Introductory Purchases APR
10% Intro APR for the first 12 billing cycles after account opening
Ongoing Purchases APR
26.74 - 34.74% variable
Ongoing Balance Transfer APR
26.74 - 34.74% variable
Ongoing Cash Advance APR
31.74 - 34.74% variable
Annual Fee
$95
Recommended Credit
Good Credit, Excellent Credit
More Details