Bilt
Bilt Obsidian Card
Annual Fee
$95
Bonus Value
$200
Min Spend
$0/0mo
Current Welcome Offer
200
Cash — worth ~$200
Spend $0 in 0 months
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No automated verification
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What you get
All 2 perks ↓Perks/yr up to
$160
Annual Fee
$95
Covers fee
1.7×
1 of 2 need activation — credits often split into small chunks, easy to miss.
Historical Intelligence
Offer history & timing
Current
200
Average
200
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 200). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$267/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 200). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$267
65% benefit utilization, minimal travel redemptions
Realistic
+$267
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$267
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$267/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Benefits & Transfer Partners
Benefits
Card perks & credits
Up to $160/yr in benefits
✈️travel credit
Lyft Credit
$60/yr
$5/mo
$5/month in Lyft credit ($60/yr) when linked to your Bilt card.
⚠ Enrollment required
Lyft rides (linked account)
🏨hotel credit
Bilt Travel Hotel Credit
$100/yr
$50 × 2
$50 H1 + $50 H2 ($100/yr) on hotels booked through Bilt Travel.
Hotels booked through Bilt Travel
Approval & Best For
Fit assessment
Best For / Not Best For
Best For
- Frequent travelers who want to maximize points on flights and hotels
- Diners who spend heavily at restaurants and want accelerated rewards
Not Best For
- People seeking a no-annual-fee option with similar rewards
- Those who prefer straightforward cash back over points/miles redemptions
Current Offer Status
Offer status
200 Cash
Last verified
May 15, 2026
Annual fee
$95/year
Compare & Alternatives
Alternatives
Consider these cards instead
Chase
Sapphire Preferred
Flexible points travelers who want transfer partner access without a premium annual fee
$95/yr
100,000 pts
View review
Chase
Sapphire Reserve
High-volume travelers who maximize the $300 travel credit and lounge access
$795/yr
100,000 pts
View review
Chase
Freedom Unlimited
Chase cardholders who want to maximize non-bonus spend without an annual fee
No fee
$200
View review
FAQ
Frequently asked questions
What's the current Bilt Obsidian welcome bonus?
200 Cash after spending $0 in the first 0 months. Welcome bonus offers change frequently — the value shown on this page is updated against the issuer's published offer. For the live offer, click through to the apply page; the bonus is confirmed at approval time, not click time.
Is the Bilt Obsidian worth the $95 annual fee?
For first-year cardholders the answer is usually yes — the welcome bonus (~$200 estimated cash value) plus tracked statement credits typically cover the $95 fee several times over. After year one, the math depends on whether you actually use the recurring credits and category multipliers. Run your real spending through our Annual Fee Calculator before deciding to renew.
How many transfer partners does Bilt Obsidian have?
Bilt Obsidian earns Bilt Rewards, which transfers 1:1 to 10+ airline and hotel programmes as of 2026. Compared to other transferable-points programmes, that puts it in the upper tier — only Amex MR has more partners. For sweet-spot redemptions, transferring to a partner typically beats portal redemption by 2-3× CPP.
Can I transfer Bilt Obsidian points to World of Hyatt?
Yes — at 1:1. World of Hyatt accepts 1:1 transfers from Chase Ultimate Rewards and Bilt Rewards only, so Bilt Obsidian qualifies via its Bilt Rewards ecosystem. Peak nights at Park Hyatt and Andaz properties redeem at 3–5 cents per point, the highest CPP in the points game.
What credit score do I need for Bilt Obsidian?
Realistic target: 690+ FICO. Issuers don't publish hard cutoffs, but data points from approval/denial reports suggest 690+ is the floor for reliable approval on cards in Bilt Obsidian's tier. Income, debt-to-income ratio, and existing relationship with Bilt also matter — use our Approval Predictor for a more personalized estimate.
Editorial guides
More on Bilt Obsidian and Bilt
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Why trust this review
- Independent research. CreditPoints is not paid by issuers to rank cards. All scores are algorithmic, based on public offer data, benefit valuations, and issuer rules.
- Regular verification. Offer amounts, spend requirements, and benefit values are checked against issuer pages via automated monitoring and manual audit.
- Transparent methodology. Every value estimate uses disclosed assumptions. Read our full scoring methodology.
Editorial note: CreditPoints may earn a commission when you apply through some of the links on this page. The first-year value math, transfer-partner analysis and approval signals on this card review are algorithmic and identical for all readers. We never accept payment to change ordering.
Bilt Obsidian Card
Current offer: 200 Cash — worth ~$200
Apply via ReferralBilt's secure site · No data stored · Commission may apply
Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Bilt Obsidian
200 Cash offer