Bilt Obsidian Card

3x on dining or groceries, plus rent rewards

Apply for the Bilt Obsidian Card

$200 Bilt Cash welcome offer when you apply and get approved
3x on dining OR groceries — choose your category each year (groceries up to $25k/yr)
2x on travel purchases
Up to 1.25x points on rent and mortgage
$100/year hotel credit via Bilt Travel (two $50 statement credits)
$95 annual fee · no foreign transaction fees

Who the Bilt Obsidian is best for

The Obsidian is the category optimizer of the Bilt 2.0 lineup. For a modest $95 annual fee, it adds bonus earning on the spending most people do the most of — eating out and groceries — on top of Bilt's signature housing rewards.

Pick the category that matches your life

Each year you choose whether your 3x bonus applies to dining or to groceries (grocery earning is capped at $25,000/year, then drops to 1x). If a big share of your monthly budget goes to restaurants and takeout, or alternatively to the grocery store, that 3x is where the value is. You also earn 2x on travel.

The fee pays for itself quickly

The $200 Bilt Cash welcome offer more than covers the first year's $95 fee, and the $100 annual hotel credit (issued as two $50 statement credits via Bilt Travel) effectively offsets it every year after. Add the housing rewards (up to 1.25x on rent and mortgage) and the math gets easy for anyone with real dining or grocery spend.

Wrap-up

If you want bonus categories without a premium price tag, the Obsidian hits the sweet spot — more earning than the Blue, far less commitment than the Palladium.

The other Bilt cards

Bilt Blue Card

Earn on rent with no annual fee

Bilt Palladium Card

2x on everything, premium travel perks

Legal & Disclosures

Advertiser Disclosure

MyWealthWallet is not a bank. We are a financial education and content platform. We may receive compensation when you click on links to products from our partners. This compensation may influence which products we write about and where and how they appear on the page. However, it does not influence our evaluations or recommendations. Our opinions are our own.

Rates & Fees

Bilt Mastercard credit cards are issued by Cardless, N.A. Card terms, rewards rates, annual fees, welcome offers, and benefits are set by Bilt Rewards and the issuer and are subject to change. Bilt Cash and points-earning on rent and mortgage payments are subject to program terms, including monthly transaction and earning requirements. Please review the full rates, fees, and rewards terms on the issuer's application page before applying.

General Disclaimer

The information provided on this page is for educational and informational purposes only. It should not be construed as financial, investment, or tax advice. Before opening any account, please carefully review all terms, conditions, fees, and disclosures provided by the partner. Your individual circumstances may vary, and we recommend consulting with a qualified financial advisor before making any financial decisions.

Last updated: June 2026