Bilt · personal · mastercard
Bilt Obsidian Card
The sweet spot of the Bilt lineup for most people: rent earning plus a real 3X dining-or-grocery category, and the $100 hotel credit alone covers the $95 fee if you'd book a Bilt Portal hotel anyway. Pick grocery if you cook, dining if you don't — you can't have both.
Current public offer
$200 of Bilt Cash — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $95
- Suggested credit: Good / Excellent (690+)
- No foreign transaction fee ✓
Earning
- Up to 1.25X points on rent and mortgage (no transaction fees on housing payments) — or choose 4% back in Bilt Cash on everyday spend instead
- 3X on your choice of dining or grocery; up to 6X at 20,000+ Bilt partner restaurants
- 3X if chosen instead of dining; grocery capped at $25K/year
- 4X hotels and 3X flights booked on the Bilt Travel Portal; 3X Lyft after linking; 2X other travel
- 1x other
Transfer partners
Alaska & Hawaiian (Atmos) · Japan Airlines · British Airways · Aer Lingus · Iberia · Etihad · Virgin Red · Avianca · Qatar · Southwest · TAP Air Portugal · United · Turkish · Emirates · Cathay Pacific · Air France-KLM (Flying Blue) · Air Canada · Hyatt · I Prefer · Hilton · Accor · Marriott · IHG · Wyndham
Statement credits
- Bilt Travel Portal hotel credit ($50 twice a year) — $100 / year
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.