Who it's for
Rewards on rentPremium travelMore rewards dining outMore rewards at grocery stores
Bilt Obsidian Card
Bilt 2.0 mid-tier. You annually choose dining OR grocery as your 3x category (default is dining if not set). The 3x dining + transfer partner access make this the sweet spot for renters who eat out frequently.
$1,401/yrest. value at typical spending
$95annual fee
$100yearly credits
−$5fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 3x | $400/mo |
| Groceries | 3x | $600/mo |
| Flights & hotels | 2x | $300/mo |
| Rent | 1.25x | $2,500/mo |
| Gas & transit | 1x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 14 transfer partners
- 3x Bilt Points on dining OR grocery — your choice for the year (grocery capped at $25k/yr)
- 2x on travel purchases
- 1x on all other everyday purchases (or option to earn 4% Bilt Cash instead)
- Earn up to 1.25x on rent/mortgage via Bilt Cash redemption (Bilt 2.0)
- $100 annual Bilt Travel Hotel credit ($50 semi-annually via Bilt Travel portal)
- $200 Bilt Cash welcome bonus on approval
- Must make 5+ transactions per statement period to earn any points
- No foreign transaction fees
- Cellular wireless telephone protection, primary rental car insurance
- Access to all 14 Bilt transfer partners
Transfer partners
United MileagePlusAir Canada AeroplanAir France-KLM Flying BlueSingapore KrisFlyerTurkish Miles&SmilesCathay Pacific AsiaMilesAvianca LifeMilesBritish Airways AviosAlaska Mileage PlanHawaiian MilesAmerican AAdvantageWorld of HyattMarriott BonvoyIHG One Rewards
Head-to-head
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