The Bilt Obsidian Card is the mid-tier credit card in the Bilt Card 2.0 lineup, offering 3X Bilt Points in a choice of Dining or Grocery and 2X on eligible Travel purchases. Under the refreshed 2027 benefits, its original Bilt Travel Hotel Credit will be replaced with $100 in annual Bilt Cash.
The card also provides access to Bilt Housing Rewards. Eligible rent and mortgage payments made through Bilt have no Bilt transaction fee, while Housing-only Rewards can earn up to 1.25X Bilt Points.
For users with eligible Housing Payments and significant dining, grocery, or travel spending, the Bilt Obsidian Card is the primary step up from the Bilt Blue Card.
Bilt Obsidian Card Benefits
| Benefit | Bilt Obsidian Card |
|---|---|
| Annual Fee | US$95 |
| Authorized User | US$50 per user |
| Rewards | Bilt Points |
| Everyday Spend | 1X Bilt Points |
| Dining / Grocery | Choose one: 3X Bilt Points |
| Grocery 3X Cap | Up to US$25,000 per calendar year |
| Travel | 2X Bilt Points |
| Bilt Travel – Flights | 3X Bilt Points |
| Bilt Travel – Hotels | 4X Bilt Points |
| Lyft | 3X Bilt Points |
| Neighborhood Dining | Up to 6X total when Dining is selected |
| Bilt Travel Hotel Credit | US$100 annually under eligible legacy benefits; replaced by US$100 annual Bilt Cash under the 2027 refreshed benefits |
| Housing-only Rewards | Up to 1.25X on eligible Housing Payments |
| Flexible Bilt Cash | 4% Bilt Cash on eligible everyday spending; available to qualifying legacy cardholders who opt out |
| Housing Payment Transaction Fee | US$0 on eligible Bilt Housing Payments |
| Foreign Transaction Fee | 0% |
| Transfer Partners | Bilt Airline / Hotel Transfer Partners |
| Core Role | Dining / Grocery + Travel Rewards |
The most important earning feature is the 3X Dining or Grocery choice. Dining is the default selection, but cardholders can switch to Grocery within the first 30 days. After that, the category can generally be changed once each year in January.
Dining 3X has no annual spending cap, while Grocery 3X applies to up to US$25,000 per calendar year. Grocery spending above the cap earns the standard 1X.
Is the Bilt Obsidian Card Worth It?
The Bilt Obsidian Card combines Housing Rewards, a 3X food category, and Travel Rewards for a US$95 annual fee.
Choose Dining:
Dining → 3X Bilt Points
Or choose Grocery:
Grocery → 3X Bilt Points
The category that is not selected earns the standard 1X Bilt Points.
Eligible travel purchases made directly with airlines, hotels, cruise lines, and car rental companies earn 2X. Booking through Bilt Travel increases the earning rate to 3X on flights and 4X on hotels.
🏨 2027 Update: US$100 Annual Bilt Cash
Under the original Bilt Card 2.0 benefits, the Bilt Obsidian Card provides a US$100 annual Bilt Travel Hotel Credit, divided into two semiannual credits of US$50 each.
On October 27, 2026, Bilt announced that this benefit would be replaced with:
US$100 in Annual Bilt Cash
Unlike the original hotel-specific credit, Bilt Cash can be used across eligible redemption options within the Bilt ecosystem, subject to the applicable redemption limits.
For card accounts opened on or after January 1, 2027, the refreshed benefits apply immediately.
Existing cardholders generally retain their original benefits until their first card account anniversary in 2027, unless they opt out of the refreshed benefits.
Cardholders who opt out can continue receiving the original hotel credits, provided they remain eligible under the legacy program.
🏠 Housing Rewards: New Rules for 2027
Beginning January 1, 2027, new Bilt Obsidian Card accounts will use Housing-only Rewards.
Eligible housing payments can earn up to 1.25X Bilt Points, depending on non-housing spending during each billing cycle.
The original Flexible Bilt Cash option allows eligible everyday spending to earn:
Regular Bilt Points + 4% Bilt Cash
This option will no longer be offered to accounts opened on or after January 1, 2027.
Existing cardholders can retain the legacy Flexible Bilt Cash mode by opting out before their first card account anniversary in 2027.
Choosing to retain the legacy benefits also preserves eligible hotel credits, but removes the ability to switch freely between the two Housing Rewards modes.
Cardholders may subsequently move to the refreshed benefits.
💵 Bilt Cash Expiration
Effective October 27, 2026, each Bilt Cash award expires at the end of the month, 12 months after it is earned.
The previous year-end expiration and rollover limits have been removed.
Under the refreshed benefits, the annual US$100 Bilt Cash credit is awarded on the card account anniversary.
For detailed information about Housing Rewards, Bilt Cash, and airline or hotel transfer partners, see the Bilt Rewards Complete Guide.
Historical Welcome Offers
| Date | Public Welcome Offer | Minimum Spend |
|---|---|---|
| 2026 – Present | $200 Bilt Cash | No Minimum Spend |
Public offers only. Targeted, referral, mail, and other personalized offers are excluded.
The current public Welcome Offer provides US$200 Bilt Cash upon approval, with no minimum spending requirement.
Bilt Card 2.0 Comparison
Bilt Card 2.0 currently includes three credit cards:
| Credit Card | Annual Fee | Core Role | Foreign Transaction Fee |
|---|---|---|---|
| Bilt Blue Card | US$0 | Entry-level Housing Rewards | 0% |
| Bilt Obsidian Card | US$95 | Dining / Grocery + Travel | 0% |
| Bilt Palladium Card | US$495 | Premium Bilt Rewards | 0% |
Bilt Blue Card is designed for no-annual-fee Housing Rewards, Bilt Obsidian Card adds stronger Dining / Grocery and Travel earning, while Bilt Palladium Card is positioned as the premium Bilt Rewards card.
Bilt Card Application Rules & Restrictions
Bilt Card 2.0 cards are issued by Column N.A., Member FDIC, with Cardless providing card servicing.
Key application considerations include:
- Bilt does not publish a fixed minimum Credit Score.
- Approval may consider Credit History, Income, Existing Debt, and other credit information.
- Applicants can check whether they are approved without affecting their Credit Score.
- Manual Review does not necessarily mean the application has been declined.
- If declined, applicants may reapply after 45 days under Bilt’s current rules.
- Bilt Card 2.0 no longer has the old 5 Transactions Requirement.
Bilt does not publish a simple application restriction comparable to Chase 5/24. Eligibility and approval remain subject to Bilt’s current terms and underwriting criteria.
Can Foreign Applicants Apply for the Bilt Obsidian Card?
The Bilt Obsidian Card is a U.S. credit card, and applicants must meet the issuer’s identity and credit underwriting requirements.
Approval may consider factors including U.S. Credit History, Income, and Existing Debt, and Bilt does not publish a minimum Credit Score that guarantees approval.
Foreign applicants who have not yet established U.S. credit history can consider starting with American Express Global Transfer, using an eligible existing American Express relationship outside the U.S. to apply for a U.S. Amex card and begin building U.S. credit history.
A practical path is:
American Express Global Transfer → U.S. Amex → Build 6–12 Months of U.S. Credit History → Bilt Obsidian Card
For foreign applicants, the Bilt Obsidian Card is generally better considered after establishing some U.S. credit history rather than as a first U.S. credit card.
