Bilt Rewards MastercardBilt Obsidian Card
Issued by Cardless
Reviewed by the CardCurator Editorial Team
$100/year in trackable credits — never leave money on the table
Decision check
Is Bilt Obsidian Card worth applying for?
you can make 3x on Dining part of your regular spending.
you will not recover the annual fee through spending, credits you will use, or the welcome bonus.
Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.
Earning Categories
Current Welcome Bonus
$200 of Bilt Cash as a sign-up bonus
Year 1 net value: $-93 (bonus − annual fee)
Statement Credits
Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings
Card Perks
Maximize Your Bilt Rewards Points
Expert tips to get the most value from this program
Program Overview
Bilt Rewards is a transferable-points program that can earn points through eligible rent, neighborhood, travel, and card activity. Most transfer partners convert at 1:1, but not all: Accor transfers at 3:2, Amtrak at 2:1, and I Prefer at 1:2. Check the displayed ratio before transferring because transfers are generally irreversible. Key strengths: - Strong airline and hotel transfer roster, with several useful 1:1 options - Rent, neighborhood, and travel earning paths within the Bilt ecosystem - Rent Day promotions and status-linked transfer bonuses can change the effective value - A transfer should be tied to confirmed award availability rather than a speculative balance
Earning Tips
Earning strategy: Bilt Mastercard: - 1x on rent (up to 100,000 pts/yr, no fees) - 3x on dining - 2x on travel - 1x on everything else - Must make 5 transactions/month to earn points (easy with small purchases) Bilt Rent Day (1st of each month): - Double points on all non-rent transactions - Stack all non-rent spending on Rent Day for 2x-6x earning - Dining becomes 6x, travel 4x, everything else 2x Key tips: - Even if your landlord isn't in the Bilt network, you can still pay rent via Bilt - The 5-transaction minimum is easy; buy 5 small items on the 1st - Concentrate large purchases on Rent Day for double earning - Bilt neighborhood rewards: Extra points at local restaurants in your area - Home down payment: Can use up to 100,000 pts toward a future home purchase at 1.5 cpp
Redemption Tips
Best redemption values: Hyatt (consistently best value): - Category 1-4 hotels at 5,000-15,000 pts/night - All-inclusive Hyatt Ziva/Zilara: 25,000 pts for $500+ rooms - Park Hyatt luxury stays at 25,000-40,000 pts/night Turkish Miles & Smiles: - 7,500 miles domestic one-way - Stack rent earning + Turkish transfer for essentially free domestic flights American Airlines: - Web specials starting at 5,000-7,500 miles one-way domestic - Oneworld partner awards for international business class Alaska Mileage Plan: - Partner chart has unique sweet spots - 70,000 miles for Cathay Pacific business class to Asia one-way Home down payment: - 100,000 pts max at 1.5 cpp = $1,500 toward a home - Unique option, but transfer to travel partners usually yields more value Avoid: - Amazon or gift card redemptions - Using points for home purchase if you can get better value from travel transfers
Transfer Strategy
Most Bilt transfer partners convert at 1:1, but not all: Accor transfers at 3:2, Amtrak at 2:1, and I Prefer at 1:2. Confirm the displayed ratio and award availability before transferring, because transfers are generally irreversible.
Bilt Rewards Program
Based on 10,000 points transferred
Compare This Card
See how the Bilt Obsidian Card stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Related guide: Bilt Blue vs Obsidian vs Palladium (2026): Which Bilt Card Is Best?
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the Bilt Obsidian Card?
- The Bilt Obsidian Card has an annual fee of $95 per year.
- What is the best category to use the Bilt Obsidian Card for?
- The Bilt Obsidian Card earns 3x on Dining, making it the strongest earning category for this card.
- What is the Bilt Obsidian Card welcome bonus in 2026?
- The Bilt Obsidian Card currently offers a welcome bonus of $200 statement credit.
- Does the Bilt Obsidian Card charge foreign transaction fees?
- No, the Bilt Obsidian Card does not charge foreign transaction fees, making it a good choice for international purchases.
- How much are Bilt Rewards points worth?
- Bilt Rewards points are worth approximately 2.20¢ per point on average, with premium redemptions reaching up to 3.25¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Use a category hub if you are not ready to apply for Bilt Obsidian Card
Stay on a goal-based path instead of reopening random tabs. Start with the most relevant category guide, or jump to the main best-cards hub if you want broader partner inventory.
Best if you still want to compare broader points, miles, or premium travel options.
Need more travel card options?
Browse partner travel cards if this card is not the right fit but you still want points, transfer partners, or stronger travel perks.
What to check before you leave
- Look for a welcome bonus you can realistically earn.
- Compare the annual fee against lounge access, travel credits, or hotel perks.
- Check issuer rules and current terms before you apply.
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