Bilt Obsidian Card
Column N.A.
Intro Offer
$200 in Bilt Cash on account opening
Annual Fee
$95
Recommended Credit
670–850
Good - Excellent
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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