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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Key facts
| Annual fee | $95 |
|---|---|
| Welcome bonus | 200 Cash after $0 spend in 0 months |
| Bonus value estimate | ~$200 |
| Top earning rates | 3× dining · 3× groceries · 2× travel |
| Points program | Bilt Rewards |
| Card network | Mastercard |
| Foreign transaction fee | None |
What you get
All 2 perks ↓Perks/yr up to
$160
Annual Fee
$95
Covers fee (realistic use)
0.8×
1 of 2 need activation — credits often split into small chunks, easy to miss.
Historical Intelligence
Offer history & timing
Timing Intelligence
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Based on limited history.Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Solid
Est. +$547 net first-year value
Timing
Stable offer — no timing signal
This offer hasn't changed across our tracked observations, so there's no timing advantage to waiting or rushing. Apply whenever the card itself fits your plans.
Verified from issuer · May 15
Value
First-year value estimate
Conservative
+$515
65% benefit utilization, minimal travel redemptions
Realistic
+$547
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$603
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$347/yr
Assumes ~$24,120/yr of typical US household card spend consolidated on this card · statement credits counted at 30–85% of face value by tier (never 100% — credits are enrollment-gated and merchant-restricted) · Year 1 includes signup bonus when verified offer data exists. 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
75,000 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 up to ~$160/yr in tracked benefits and credits typically covers 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.
What are the main benefits of the Bilt Obsidian?
The highest-value benefits we track on the Bilt Obsidian: Bilt Travel Hotel Credit (~$100), Lyft Credit (~$60). Combined tracked benefit value is up to ~$160 per year against the $95 annual fee. Dollar values are our estimates of realistic usage — credits that require enrollment or expire monthly are worth less if you don't actively use them.
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.
What credit limit does the Bilt Obsidian come with?
Bilt doesn't publish credit limits for the Bilt Obsidian — your starting line is assigned individually at approval based on income, existing debt obligations, and credit history, so reported limits vary widely between applicants. If your initial limit is lower than you'd like, most issuers let you request a credit-line increase after several months of on-time payments.
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.
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
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Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. CreditPoints is independent and not owned by, affiliated with, or endorsed by any card issuer; some Apply links are referral links that earn us compensation, which never affects a card's score or verdict.
Bilt Obsidian
200 Cash offer