Bilt Points Calculator
Compare all 3 Bilt cards. See how the 3% fee + Bilt Cash offset works, and your true annual point value.
Housing Payment
Monthly Spending
Your offset coverage: 100%$72/mo cash vs $54/mo fee
Fee fully covered — housing points are free
Bilt Obsidian — Annual
Housing points
21,600
Spend points
50,400
Total annual points
72,000
Bilt Cash earned+$864
3% housing fee−$648
Net Bilt Cash+$216
Annual fee (net)−$95
Value at Hyatt (2.2¢/pt)$1,584
Value via portal (1.25¢/pt)$900
All 3 Bilt Cards — Side by Side
| Bilt Blue | Bilt Obsidian | Bilt Palladium | |
|---|---|---|---|
| Annual fee (net) | Free | $95 | $95 |
| Housing earn | 1x | 1x | 1x |
| Dining partners | 3x | 5x | 4x |
| Dining other | 1x | 1x | 2x |
| Grocery | 1x | 3x | 2x |
| Travel (direct) | 1x | 2x | 2x |
| Travel (Bilt portal) | 2x | 3x | 3x |
| Everyday everything | 1x | 1x | 2x |
| Bilt Cash rate | 4% | 4% | 4% |
| Hotel credit | — | — | $400 |
| Total annual pts | 52,500 | 72,000 | 73,200 |
| Hyatt value | $1,155 | $1,584 | $1,610 |
| Net annual value ✓ | $1,371 | $1,705 | $1,731 |
Bilt Obsidian holders choose 1 annual flex category: 5x at dining partners OR 3x grocery (capped $25K/year). Calculator defaults to dining partners.
Palladium net fee is $95 after using the $400 Bilt Travel hotel credit. $200 lounge access credit adds more value.
Ready to Apply?
All 3 Bilt cards share the same referral link. Pick your tier and apply.
Apply — Bilt Blue$0/yr · No annual feeApply Now →Apply — Bilt Obsidian$95/yr · 5x dining partnersApply Now →Apply — Bilt Palladium$95 net/yr · 2x on everythingApply Now →
Referral link