The Bilt Obsidian Card is a rewards credit card as part of the Bilt 2.0 card lineup. It is designed for consumers who want to earn points (Bilt Points) on everyday purchases, travel, and even rent or mortgage payments without paying foreign transaction fees. It is ideal for frequent card users who want to maximize rewards in key categories such as dining and groceries.
How the Bilt Obsidian Card Works
The Bilt Obsidian is a rewards credit card with an annual fee and is part of the Bilt Rewards program. This program allows users to accumulate Bilt Points that can be redeemed for travel, rent or mortgage payments (without transaction fees at the point of payment), transfers to airline loyalty programs, and other high-value rewards.
Cardholders can choose one annual bonus category between dining or groceries. On up to $25,000 per year in that category, the card earns enhanced rewards. In addition, it offers points on other spending categories and travel-related benefits.
Main Advantages
The Bilt Obsidian Card stands out for offering a competitive mix of rewards for everyday spending and travel:
- Up to 3X Bilt Points in your selected category (dining or groceries, with an annual cap of $25,000).
- 2X Bilt Points on travel purchases, including airfare, hotels, and related services.
- 1X Bilt Points on all other purchases.
- Up to 1X Bilt Points on rent or mortgage payments, with no transaction fees when combined with Bilt Cash and eligible spending requirements.
- Welcome Bilt Cash bonus, usually around $200 upon approval.
- Annual hotel credits through the Bilt travel portal, distributed throughout the year to help reduce eligible lodging costs.
- No foreign transaction fees, making it ideal for international use.
These benefits combine strong everyday rewards with added value for travel and flexible point redemption, making the card attractive for users who want to maximize returns across multiple categories.
Fees and Costs
As a card with an annual fee, the Bilt Obsidian Card charges approximately $95 per year, which is relatively competitive considering the credits and rewards offered.
Other associated costs include a variable APR on unpaid balances (generally around 26% to 34% in the U.S.), as well as possible late payment fees and cash advance charges, according to the issuer’s fee schedule.
It is important to note that, although the card does not charge foreign transaction fees, point earnings on rent or mortgage payments may depend on specific “unlock” rules that require a minimum level of card spending.
Who It’s Recommended For
The Bilt Obsidian Card is recommended for people who:
- Regularly spend on dining, groceries, and travel and want to fully benefit from bonus categories.
- Are looking for a credit card with flexible and diverse rewards, including travel, rent, miles, and experience redemptions.
- Value additional benefits such as hotel credits and no foreign transaction fees, especially for international travel.
- Want a primary everyday card to consistently earn points beyond standard cashback programs.
On the other hand, if you use credit cards infrequently, prefer no-annual-fee products, or do not need category-based rewards, a lower-fee or no-fee card may be a better fit.
How to Apply
- Visit the official Bilt Rewards website and go to the credit cards section.
- Select the Bilt Obsidian Card from the list of available options.
- Complete the online application with your personal, income, and financial information.
- Submit the application for credit review and wait for the issuer’s response.
- If approved, receive the card by mail and activate it through the app or online portal.
- Set your annual bonus category (dining or groceries) in the Bilt Rewards app before using the card.
Is It Worth It?
The Bilt Obsidian Card may be worth it if you plan to use it as a primary payment tool, earning strong rewards in strategic categories such as dining, groceries, and travel, while also collecting points on rent or mortgage payments without direct extra fees.
The hotel credits and welcome bonus help offset the annual fee, especially for people who travel or book accommodations regularly.
Before deciding, it is essential to compare the card’s fees and benefits with other rewards cards in your market, analyze your own spending patterns, and determine whether the annual value you receive will exceed the card’s yearly cost.
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All information in this and other US PIXIN articles is subject to change over time. Please check for updates directly with the institutions and companies mentioned. Approval is subject to the institution’s review.
REFERENCES:
Read more about credit cards in https://us.pixin.com.br/category/credit-cards/
