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Bilt Obsidian Card

Bilt Points
Welcome bonus
$200 Bilt Cash
≈ $200 $1 Bilt Cash valued at 100¢ (our assumption)
no spend requirement stated
Annual fee$95 
Value per point~1.9¢median of 6 published valuations
First-year value*$1,059easy credits counted · $1,059 with none
Year 2+ value*$859each year after the first, after the fee · $859 with no credits
$95 fee vs $100 in stated credits a yearFace value. You’d use $0 by our default → yearly cost after year 1 $95 ↓
Worth ~1.9¢/pt, median of 6 published valuations

Range 1.55–2.2¢. No published value from Bankrate. Checked 2026-10-23. How we use these

See the offer on Bilt’s site ↗ Run your own numbers

Data checked by Chris Manns · Last updated October 23, 2026

Source: Bilt card page · checked October 23, 2026. *Value uses our sample profile ($31,100/yr spend, no favorite airline or hotel) and the community value of 1.9¢ per point (median of published valuations) — see method.

Credits & perks

Annual fee$95
vs
Stated credits a year$100face value, as Bilt states it
Face value isn’t real value. A $25-a-month credit for something you’d never buy is worth $0 to you, and most credits are use-it-or-lose-it by month, quarter or half-year. Tick only what you’d spend on anyway.

Which would you actually use?

Our assumption: the boxes ticked to start are the “easy” credits: broad, flexible or automatic (general travel credits, airline-fee credits on any airline, Global Entry/TSA, anniversary free nights). Niche or single-merchant credits start unticked. Your choices are saved in this browser and also used by the calculator.

Your net cost$95Yearly cost after year 1: annual fee − credits you’ll use ($0)
Year 2+ value*$859each year after the first, after the annual fee, with your ticks
First-year value*$1,059bonus + earning + credits − fee

Counts each ticked credit at 100% of face value. Global Entry/TSA counts as a quarter a year. Free nights use our point values. *At our sample profile; how credits are counted.

Perks with no stated $ value

Lounges, status, bags and similar. We don’t put a number on these unless the issuer does.

  • other Earn on rent/mortgage with no transaction fee

Source: Bilt card page and benefit terms · checked 2026-10-23.

How it earns

  • 3x Dining & takeout you choose one
  • 3x Groceries up to $25,000/yr you choose one
  • 4x Travel booked on the card’s own travel site
  • 2x Flights (booked with the airline), Hotels (booked with the hotel), Other travel
  • 1x Rent / mortgage paid by card
  • 1x everything else
  • You choose 3x on dining OR grocery (grocery up to $25,000/yr); the calculator picks whichever pays you more.
  • Housing modeled at 1x (Bilt says up to 1.25x).

Offer details

  • $200 Bilt Cash spend requirement not stated
  • $200 Bilt Cash welcome bonus

Annual fee $95. Credits from the issuer page are in Credits & perks above.

Questions about the Bilt Obsidian Card

What is the Bilt Obsidian Card welcome bonus?

$200 Bilt Cash spend requirement not stated, about $200 at the median published point value, per Bilt’s card page checked October 23, 2026.

What is the Bilt Obsidian Card annual fee?

$95 a year, as listed on Bilt’s page on October 23, 2026.

How much are its points worth?

About 1.9¢ each: the median of 6 published valuations (range 1.55–2.2¢), checked October 23, 2026.

What credits does the Bilt Obsidian Card include?

$100 a year in stated credits at face value, across 1 credit. By our default (only easy, flexible credits) you’d use $0, so the yearly cost after year 1 is $95.

Is the Bilt Obsidian Card worth it?

It depends on your spending. At our sample profile ($31,100 a year, easy credits only) it comes to $1,059 in the first year and $859 each year after (Year 2+ value, after the annual fee). Enter your own numbers in the calculator.

Data notes:
  • Bilt Cash welcome-bonus spend requirement was not stated in the comparison table we read.

The math at our sample profile

Sample: Dining & takeout $4,800 · Groceries $7,200 · Gas & EV charging $2,400 · Flights (booked with the airline) $2,000 · Hotels (booked with the hotel) $1,500 · Other travel $1,200 · Everything else $12,000. Credits: our default “easy” ticks.

Welcome bonus + $200 extras$200
A year of earning: 50,200 points × 1.9¢$954
Annual fee−$95
First year / Year 2+$1,059 / $859

Use my own spending →

Verify everything on the issuer’s site before applying; offers change and may differ for you. We don’t list APRs: see the issuer’s pricing & terms. TravelCardMath earns nothing from this card today.