Bilt (Column N.A.)
Bilt Obsidian Card
Annual Fee
$95
Travel Credit
$100
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Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- Credits worth about $80/yr at typical usage offset 84% of the fee
- Non-bonus spending earns only 1x
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$547/yr
$562 rewards + $80 credits - $95 fee
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$777/yr
$792 rewards + $80 credits - $95 fee
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$867/yr
$882 rewards + $80 credits - $95 fee
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
1x
Rideshare
1x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.8 cents per point
The Fine Print That Changes the Math
Bilt Card 2.0 (Jan 2026). 3X Dining, 2X Travel, 1X other (can choose 3X Grocery instead). $100 hotel credit. Up to 1X on rent/mortgage.
Benefits & Credits
Hotel Credit$100
We count this at 80% of face value (typical usage)
Bilt Obsidian Card FAQ
What is the Bilt Obsidian Card annual fee?
The Bilt Obsidian Card has a $95 annual fee. Statement credits worth about $80/yr at typical usage reduce the effective cost.
What are the best spending categories for the Bilt Obsidian Card?
3x on dining, 3x on fast food, 2x on flights. Everything else earns 1x.
Is the Bilt Obsidian Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $547/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
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Is Bilt Obsidian Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
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