Cardless · Mastercard World · Personal
Bilt Obsidian
A $95-a-year card earning Bilt Points: 3× on Monthly Categories, 1× on everything else.
- Annual fee
- $95Charged every year
- Signup bonus
- $200Cash bonus
- Top rate
- 3×Monthly Categories
- Point value
- 1.92¢ In travel · 1¢ as cash (our estimate)*
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus cash | $200 | – |
| Points on your spend Enter your spending | $0 | $0 |
| Credits you’d use None ticked yet | $0 | $0 |
| Annual fee Charged each year | −$95 | −$95 |
| NetYear one includes the bonus · at your inputs · our estimates* | $105 | −$95 |
Bonus terms: $200 of Bilt Cash when you apply and get approved.
Earning structure
4 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
Monthly Categories Notes3x points on Dining or Groceries. You have a choice of one and Groceries has a cap of $25k per year. | 3× | $5.75 | |
| Travel | 2× | $3.83 | |
| Rent/Mortgage | 1× | $1.92 | |
| All Other | 1× | $1.92 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- $95
- Card type
- Personal
- Network
- Mastercard World
- Bank
- Cardless
- Point system
- Bilt Points
- Travel value (our estimate)*
- 1.92¢ per point
- Cash value (our estimate)*
- 1¢ per point
- Foreign transaction fee
- None
- Transfer partners
- Yes
- Travel portal redemption
- Yes
- Cash to travel
- No
Application rules1
- 1 Bilt
You can only hold one Bilt card per account.
Transfer partners22
- Aeroplan 1:1
- ALL Rewards 3:2
- Asia Miles 1:1
- Atmos Rewards 1:1
- Avios 1:1
- Emirates Skywards 1:1
- Etihad Guest Miles 1:1
- Flying Blue 1:1
- Flying Club 1:1
- Free Spirit 1:1
- Hilton Honors 1:1
- I Prefer 1:2
- IHG Rewards 1:1
- JAL Mileage Bank 1:1
- LifeMiles 1:1
- Marriott Bonvoy 1:1
- Miles & Smiles 1:1
- Rapid Rewards 1:1
- TAP Miles&Go 1:1
- United MileagePlus 1:1
- World of Hyatt 1:1
- Wyndham Rewards 1:1
Ratio is Bilt Points points to partner miles or points.
Benefits3 · 1 high value
- Credits & Discounts High value$100 Hotel Credit
- Cell Phone Protections Cell Phone Protection
- Earn Perks & Status Earn Rent/Mortgage Fees Waiver
Benefit details, terms, and availability may vary. Please refer to the card’s terms and conditions for complete information.
Alternatives
Head to head with similar cards
 Bilt Obsidian |  Bilt Blue |  Bilt Palladium |  Capital One Venture Rewards | |
|---|---|---|---|---|
| Annual fee | $95 | $0−$95 | $495+$400 | $95Same |
| Signup bonus | $200 | $100 | 50,000 pts | 75,000 pts |
| Top rate | 3×Monthly Categories | 1×All Other, Rent/Mortgage | 2×All Other | 5×3 categories |
| Travel value * | 1.92¢Bilt Points | 1.92¢Bilt Points | 1.92¢Bilt Points | 1.7¢Capital One Miles |
| Why it’s here | This card | Same issuer and the same Bilt Points, with no annual fee | Same issuer and the same Bilt Points | Same $95 annual fee, with transferable miles |
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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