Rewards rates
Intro offer
$200 of Bilt Cash
Welcome offer: $200 of Bilt Cash when you apply and get approved.
Ongoing purchases APR
26.99 - 34.99% variable
Ongoing balance transfer APR
26.99 - 34.99% variable
Ongoing cash advance APR
31.99 - 34.99% variable
Annual fee
$95
Recommended credit
Good Credit, Excellent Credit
More details
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; each Bilt Cash award expires 12 months after you earn it, on the last day of that month). 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.
Beginning Jan. 1, 2027, new Bilt cardholders will only have access to the housing-only rewards option. Cardholders who open an account by Dec. 31, 2026, can retain the 4% Bilt Cash earning option by opting out of the new benefits before their first card anniversary.
$200 of Bilt Cash
Welcome offer: $200 of Bilt Cash when you apply and get approved.
1 - 3X points
$95
26.99 - 34.99% variable
Good Credit, Excellent Credit