Bilt Obsidian
- Annual fee
- $95
- Earns
- Bilt points
- Point value
- 2.2 CPP
- Credits a year
- Up to $100
Welcome offer
This card has no welcome bonus right now.
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel booked through Bilt Travel | 4x | 8.8% |
| Dining | 3x | 6.6% |
| Groceries | 3x | 6.6% |
| Travel | 2x | 4.4% |
| Gas | 1x | 2.2% |
| Everything else | 1x | 2.2% |
Return is what each $1 of spend is worth with points valued at 2.2 CPP.
Credits and benefits
- Bilt Travel Hotel Credit (Obsidian)$50 every 6 months
Up to $100 a year if you use every credit. Track them in the benefits tracker
Transfer partners for Bilt points
| Partner | Ratio | Transfer time |
|---|---|---|
| Accor Live Limitless | 3:2 | Almost Instant |
| Aer Lingus | 1:1 | Almost Instant |
| Air Canada Aeroplan | 1:1 | Almost Instant |
| Alaska Airlines | 1:1 | Almost Instant |
| Amtrak Guest Rewards | 2:1 | 7 days |
| Avianca Airlines | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Cathay Pacific | 1:1 | Almost Instant |
| Emirates | 1:1 | Almost Instant |
| Etihad | 1:1 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Hilton Honors | 1:1 | Almost Instant |
| Hyatt | 1:1 | Almost Instant |
| Iberia | 1:1 | Almost Instant |
| IHG | 1:1 | Almost Instant |
| Japan Airlines | 1:1 | Almost Instant |
| Marriott Bonvoy | 1:1 | Almost Instant |
| Preferred Hotels and Resorts | 1:2 | Almost Instant |
| Qatar Airways | 1:1 | Almost Instant |
| Southwest Airlines | 1:1 | Almost Instant |
| TAP Air Portugal | 1:1 | Almost Instant |
| Turkish Airlines | 1:1 | Almost Instant |
| United Airlines | 1:1 | Almost Instant |
| Virgin Atlantic | 1:1 | Almost Instant |
| Virgin Red | 1:1 | Almost Instant |
| Wyndham Rewards | 1:1 | Almost Instant |
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Once-per-lifetime bonus
Bilt usually gives this card's welcome bonus only once per person.
One welcome bonus
Bilt gives one welcome bonus per person across the Blue, Obsidian and Palladium cards. The old Wells Fargo Bilt Mastercard doesn't count against it.
One card limit
You can hold only one Bilt card at a time. To switch between Blue, Obsidian and Palladium, change your card in the Bilt app instead of applying.
Product changes
- Upgrade to Bilt Palladium · Upgrade in the Bilt app once your first statement closes; Bilt may show an upgrade bonus there. Bilt allows one card change every 12 months.
- Downgrade to Bilt Blue · Bilt allows one card change every 12 months. If you downgrade within 30 days after an annual fee posts, Bilt swaps your welcome bonus for the lower card's, which can leave a negative balance.
About the Bilt Obsidian
The Bilt Obsidian is a personal Mastercard card from Bilt with a $95 annual fee that earns Bilt points. It earns 4x on travel booked through Bilt Travel, 3x on dining, 3x on groceries and 1x on everything else. It comes with 1 statement credit worth up to $100 a year if you use them all. Points transfer to 26 airline and hotel partners, including Accor Live Limitless, Aer Lingus and Air Canada Aeroplan. AwardHack values Bilt points at 2.2 CPP.
Frequently asked questions
What is the Bilt Obsidian annual fee?
The Bilt Obsidian has a $95 annual fee. Its statement credits add up to $100 a year if you use all of them.
Does the Bilt Obsidian include airport lounge access?
No, the Bilt Obsidian doesn't include airport lounge access.
Does the Bilt Obsidian count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Where can I transfer Bilt points?
To 26 partners: Accor Live Limitless (3:2), Aer Lingus (1:1), Air Canada Aeroplan (1:1), Alaska Airlines (1:1), Amtrak Guest Rewards (2:1), Avianca Airlines (1:1), British Airways (1:1), Cathay Pacific (1:1), Emirates (1:1), Etihad (1:1), Flying Blue AIR FRANCE KLM (1:1), Hilton Honors (1:1), Hyatt (1:1), Iberia (1:1), IHG (1:1), Japan Airlines (1:1), Marriott Bonvoy (1:1), Preferred Hotels and Resorts (1:2), Qatar Airways (1:1), Southwest Airlines (1:1), TAP Air Portugal (1:1), Turkish Airlines (1:1), United Airlines (1:1), Virgin Atlantic (1:1), Virgin Red (1:1) and Wyndham Rewards (1:1).
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Offers, fees and benefits change often. Check the issuer's site before you apply.