Bilt Obsidian

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Sign-up Bonus

$200 Bilt Cash when you apply & are approved

Am I eligible?

Earning Structure

3XDining (if selected as annual bonus category)4.7%

3XGrocery (if selected as annual bonus category, up to $25K per year, then 1X)4.7%

2XTravel3.1%

1XAll other purchases1.6%

1XRent and mortgage payments (requires Bilt Cash to unlock)1.6%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Is this the best card for Dining (if selected as annual bonus category)?Is this the best card for Grocery (if selected as annual bonus category, up to $25K per year, then 1X)?Is this the best card for Travel?

Where this card ranks

What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.

Benefits

Worth it for me?

Credits & Perks (1)

Bilt Travel Hotel: $50 (Semi Annual Calendar Year)
Bilt Travel Portal hotel credit. Requires 2-night minimum stay. Subject to reversal/clawback if booking is canceled, modified, or account is closed within 90 days of receiving credit.

Protections (7)

Trip Cancellation/Interruption — up to $2,000 — Up to $2,000 per covered trip or $5,000 per account per 12-month period for nonrefundable trip costs when cancelled for covered reasons. Must pay entire trip with card.
Trip Delay — up to $300 — Up to $300 per trip when delayed 6+ hours, 1 claim per 12-month period
Lost Luggage — up to $1,500 — Up to $1,500 per incident for lost or damaged checked or carry-on luggage, 2 claims per 12-month period. Luggage considered lost after missing for 10 consecutive days.
Purchase Protection — up to $1,000 — 90 days coverage for theft or damage up to $1,000 per claim, $50,000 per account per 12-month period
Extended Warranty — up to $10,000 — Doubles manufacturer warranty of 24 months or less, up to $10,000 in value. Must purchase item entirely with card.
Auto Rental Collision Damage Waiver (secondary) — Secondary MasterRental coverage for collision damage and theft when renting a vehicle (rentals under 31 days). Primary outside country of residence. Must decline rental company's optional waiver.
Cell Phone Protection — up to $800 — Up to $800 per claim with $50 deductible, $1,000 per card per 12-month period, 2 claims per 12-month period. Covers all active lines on plan. Must pay monthly cell phone bill with card. Excludes damage that doesn’t interfere with calls.

Other Perks

Earn unlimited 1X Bilt Points on rent and mortgage payments (no transaction fees when funded with Bilt Cash)
Earn 4% Bilt Cash on all everyday purchases (excludes rent/mortgage)
Choose either dining or groceries as your 3X bonus category annually (dining is default; 30 days to change to grocery)
Groceries 3X bonus capped at $25,000 spend per year; dining is uncapped
Rent Day: for a 24-hour period on the 1st of each calendar month, earn double points on all non-rent purchases, capped at 1,000 bonus points; rent/mortgage still earns 1X on Rent Day (FrequentMiler's Bilt Rewards guide, frequentmiler.com/bilt-rewards-complete-guide/, and bilt.com, read 08/09/26)
Points Accelerator: for $200 Bilt Cash, activate a bonus +1 point per dollar on eligible purchases (excludes rent/mortgage), capped at $5,000 spend per activation, up to 5 activations per calendar year; not available to Bilt Blue cardholders (FrequentMiler's Bilt Rewards guide, frequentmiler.com/bilt-rewards-complete-guide/, and bilt.com, read 08/09/26)
Bilt Cash can be used dollar-for-dollar for Lyft, hotel, dining, fitness, home delivery, and other Bilt partner credits
Up to $100 Bilt Cash rolls over to the next calendar year; remainder expires Dec 31
Earn $50 in Bilt Cash for every 25,000 Bilt Points earned during a calendar year
Primary cardholders can choose whether points and Bilt Cash earned by authorized users credit to primary's or authorized user's Bilt Rewards account
Rent and mortgage payments debit directly from linked bank account (does not use credit line)
Free reporting of on-time rent payments to major credit bureaus
10% introductory APR on new purchases for first 12 months
World Elite Mastercard benefits including Mastercard Luxury Hotels & Resorts Collection access
Redeem points for 1.25 cents per point through Bilt Travel portal