Bilt · Public card profile
Bilt Obsidian Card
Review published reward categories, fees, recurring benefits, and source-dated offer history. Product terms can change; confirm current information with the issuer.
Last reviewed: September 12, 2026 · Current issuer destination
- Annual fee
- $95
- Card type
- Personal
- Market
- US
Published reward categories
4.00×
Hotels
Earns 4 points per dollar on hotels booked through Bilt Travel.
Portal channel required
3.00×
Airfare
Earns 3 points per dollar on flights booked through Bilt Travel.
Portal channel required
2.00×
Travel
Earns 2 points per dollar on eligible travel outside the higher portal categories.
1.00×
Other Purchases
Earns 1 point per dollar on other eligible purchases. The separately selectable dining-or-grocery category is not modeled here to avoid assuming the cardholder choice.
Published benefits
semiannual
$100 Bilt Travel Hotel Credit
Two $50 statement credits each calendar year for eligible two-night-minimum hotel bookings through Bilt Travel; unused half-year credits do not roll over.
Independent information: CreditCardCompanion does not collect bank credentials or transaction history. Compensation never changes the factual card information shown, and approval is never guaranteed.
No compensation link is active for this card. Verify the current offer and complete terms directly with the issuer.
Renewal and alternatives
Renewal baseline: start with the $95 annual fee, then count only recurring rewards and benefits you expect to use. Welcome offers belong in a separate first-year calculation.
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Decision summary
Where this card may fit
Potential best uses
- 4.00× Hotels
Earns 4 points per dollar on hotels booked through Bilt Travel. - 3.00× Airfare
Earns 3 points per dollar on flights booked through Bilt Travel. - 2.00× Travel
Earns 2 points per dollar on eligible travel outside the higher portal categories.
Cost and benefits
Start with the annual fee and count only benefits that replace normal spending.
1 recurring benefit currently catalogued.
Watch before choosing
- Portal booking or purchase channel required for Hotels.
- Portal booking or purchase channel required for Airfare.
- The $95 annual fee requires a recurring-value check.
Data status: reviewed September 12, 2026. Check official source. Approval is not predicted.