Bilt Obsidian Card
- Annual fee
- $95
- Top rewards rate
- 3%on dining
- Annual credits
- $100see breakdown below
- Foreign transaction fee
- 0%
Earns 3% on dining, so it pays off once your dining spending outweighs the $95 fee.
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Full earn rates: 3% on dining, 2% on travel and 1% on rent & mortgage, then 1% on everything else.
Annual Credits
This card currently offers $100 in annual credits. What they're actually worth depends on how you spend, so run your own numbers in the calculator to see which ones you'd capture.
- $100 Bilt Travel hotel credit ($50 per half-year) requires enrollment or a specific merchant
Credits are not factored into our rankings. Cards are ordered by rewards earned minus the full annual fee. We show credits separately so you can judge them against your own habits rather than taking an advertised total at face value.
Rewards Breakdown
| Category | Rate | Details |
|---|---|---|
| Dining | 3% | Unlimited |
| Travel | 2% | Unlimited |
| Rent & mortgage | 1% | Unlimited |
| Hotels if you qualify | 4% | Earns 4% only on hotels booked through Bilt Travel, Bilt's own booking site. Hotels booked anywhere else earn 2%. |
| Flights if you qualify | 3% | Earns 3% only on flights booked through Bilt Travel. Flights booked direct with an airline earn 2%. |
| Other travel if you qualify | 3% | Earns 3% only on Lyft rides, after linking your Bilt and Lyft accounts. Other rideshare and travel earns 2%. |
| All other purchases | 1% | Unlimited |
| Foreign Transaction Fee | None | Great for international purchases |
Compare With Similar Cards
See How Much You’d Earn
Enter your monthly spending to see how the Bilt Obsidian Card compares against other cards based on your actual habits.
See Your Estimated RewardsFrequently Asked Questions
What is the annual fee for the Bilt Obsidian Card?
The Bilt Obsidian Card has an annual fee of $95.
What is the sign-up bonus for the Bilt Obsidian Card?
The Bilt Obsidian Card does not currently offer a sign-up bonus.
Does the Bilt Obsidian Card charge foreign transaction fees?
No, the Bilt Obsidian Card does not charge foreign transaction fees.
What categories earn bonus rewards with the Bilt Obsidian Card?
The Bilt Obsidian Card earns 3% on dining, 2% on travel, 1% on Rent & mortgage. It also advertises 4% on hotels through Bilt Travel and 3% on flights through Bilt Travel and 3% on Lyft, but those rates apply only when you qualify, so they are excluded from our rankings.
These rankings are estimates based on published card terms. Actual rewards depend on your spending patterns, how you redeem, and whether your purchases qualify for bonus categories. Rates and terms may change, so verify current offers on the issuer’s site.