Bilt Obsidian Card
Bilt · Mastercard · $95 annual fee · earns Bilt Points, valued at 2.00¢ a point.
Rates checked against the issuer 2026-10. Foreign transaction fee: none.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $811, or $716 after the fee.
Is the annual fee worth it?
It earns about $811 a year on the illustrative household's spending, which is $716 once the fee is paid. The best card with no fee, American Express Blue Business Plus, nets $1,058 on the same spending — so this card is $342 a year behind. It pulls ahead of the free card once spending passes about $8,562 a month.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | ConditionsWhat the issuer attaches to this rate: a spending cap, a category you have to switch on, or a booking you have to make through its travel portal. |
|---|---|---|
| Hotels | 4x | Only through the issuer's travel portal · Booked through the Bilt Travel Portal |
| Restaurants & Bars | 3x | Only while you have this category switched on · If dining is your chosen category — the default |
| Groceries | 3x | Only while you have this category switched on · Up to $25,000 per year, then the base rate · If groceries is your chosen category instead of dining |
| Flights | 3x | Only through the issuer's travel portal · Booked through the Bilt Travel Portal |
| Flights, Hotels, Car Rental | 2x | Airlines, hotels, cruise lines and car rental agencies |
| Rent | 1x | Paid through Bilt with no fee — actually 0x to 1.25x, set by how much else you charge to the card that cycle |
| Everything else | 1x |
Where a year's rewards come from
| Spending on | Earns a yearWhat this card earns on each kind of spending over a year, for the illustrative household on the method page. Before the annual fee. |
|---|---|
| Groceries | $360 |
| Everything Else | $120 |
| Restaurants & Bars | $72 |
| Flights | $48 |
| Gas Stations | $36 |
| Online Shopping | $36 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- $100 a year in Bilt Travel hotel credits, $50 each half-year
- Pay rent or a mortgage through Bilt with no transaction fee
- 3x total on Lyft after linking Bilt and Lyft accounts
- No foreign transaction fees
Similar cards
- Wells Fargo Autograph Journey — annual fee $95 a year
- Chase Sapphire Preferred — annual fee $95 a year
- Citi Strata Premier — annual fee $95 a year
- Capital One Venture Rewards — annual fee $95 a year
- Every travel card, ranked
- When an annual fee pays for itself
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.