Bilt Obsidian Card Bonus Categories
$95/yr annual fee. 5 bonus categories benefits, with what each is worth and the limits that apply.
- Annual fee
- $95/yr
- Estimated value
- $55/yr
- Benefits
- 5
1x on rent
1x pointsNo transaction fee on rent and mortgage; earn up to 1.25X points depending on your rewards option
2X Points on Travel
2x pointsEarn 2X Bilt Points on flights, hotels, and car rentals; up to 4X on hotels and 3X on flights through the Bilt Travel Portal.
Bilt Neighborhood Benefits
6x pointsEarn bonus points at Bilt Neighborhood partner restaurants, fitness studios, Lyft, and Walgreens on top of standard card earn rates.
Pro Tips
- 1Check the Bilt app for a map of participating Neighborhood partner restaurants and fitness studios near you.
- 2Walgreens purchases also apply HSA/FSA savings automatically to eligible purchases.
Value Analysis
- Estimated Value
- $30
3X Points on Dining
3x pointsEarn 3X Bilt Points at restaurants; up to 6X in total at Bilt partner restaurants.
Points Accelerator
1x pointsRedeem $200 Bilt Cash to unlock +1x bonus points on your next $5,000 of everyday spending, up to 5 activations annually.
Pro Tips
- 1At 5 activations per year, you can earn up to 25,000 extra Bilt Points for $1,000 in Bilt Cash — effectively buying points at 4 cents each.
- 2Time activations around high-spending months to maximize the bonus.
Value Analysis
- Estimated Value
- $25