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Bilt Obsidian Card

Column N.A.

Intro Offer

$200 in Bilt Cash on account opening

Annual Fee

$95

Recommended Credit

670–850

Good - Excellent
Bilt Obsidian card image

Rewards & Earn Rates

2X

Travel

3X

Dining

3X

Grocery

1X

Gas

1X

Other

Not Included

TSA Pre✓

3x points on dining or grocery (grocery up to $25,000/year), 2x points on travel, 1x points on all other everyday spend, plus 4% back in Bilt Cash on everyday (non-housing) purchases | Unlimited 1x points on rent and mortgage payments, with no transaction fee when paid through Bilt

Why We Choose It

The mid-tier Bilt Obsidian Card adds real category earning to the Bilt formula: 3x on dining or groceries and 2x on travel on top of the rent and mortgage rewards. The $100 annual hotel credit roughly offsets the $95 fee for anyone who books even one Bilt Travel stay a year, making this the natural step up for renters who also spend meaningfully on food and travel.

More About the Bilt Obsidian Card

The $95 mid-tier of the Bilt 2.0 lineup that launched February 2026, issued by Column N.A., Member FDIC. Adds 3x dining-or-grocery and 2x travel earning plus a $100 annual Bilt Travel hotel credit on top of the rent and mortgage rewards shared across the lineup.

Pros & Cons

Pros

  • 3x points on dining or groceries (grocery up to $25,000/year) and 2x on travel, on top of rewards for rent and mortgage paid through Bilt.
  • $100 in annual Bilt Travel hotel credits ($50 semi-annually) plus trip delay insurance — the credit roughly offsets the $95 annual fee.
  • No foreign transaction fees; issued by Column N.A., Member FDIC, with World Elite Mastercard benefits.

Cons

  • The 3x bonus applies to dining OR groceries (whichever you spend more on), not both, and groceries are capped at $25,000/year.
  • Everyday non-bonus spend earns points plus 4% Bilt Cash, a Bilt-specific currency less flexible than transferable points.
  • The Points Party cannot yet earn affiliate commission on Bilt 2.0 signups — the affiliate program does not yet cover the Column-issued cards.

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