Bilt Obsidian Card evaluation: Earn factors in in style classes

The Bilt Obsidian Card (see charges and charges) is the mid-tier card in Bilt Rewards’ Card 2.0 rollout.

For a $95 annual price, cardholders can earn Bilt Factors at an elevated price in in style bonus classes, in addition to 4% Bilt Money on all nonhousing purchases. That is along with rewards earned on lease or mortgage funds.

New Bilt Obsidian cardholders obtain $200 in Bilt Money upon utility and approval.

We love Bilt factors right here at TPG. Our January 2026 valuations place them at 2.2 cents per level, they usually’re transferable to strong switch companions, together with Alaska Airways Atmos Rewards and World of Hyatt.

The Bilt Obsidian Card is an effective alternative for Bilt fanatics who’re happy with a pair of bonus classes and a few journey perks. Nevertheless, the lackluster welcome bonus and slim advantages could depart some cardholders wanting extra. Card ranking*: ⭐⭐⭐

*Card ranking is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

Bilt Obsidian: The fundamentals

Let’s get to know the Bilt Obsidian Card‘s core options.

Annual price: $95.Bilt Money incomes construction: Earn 4% Bilt Money on all nonhousing purchases, when you select.Bilt factors incomes construction: Earn 3 factors per greenback spent on both eating or grocery purchases (on as much as $25,000 per yr), 2 factors per greenback spent on journey, and 1 level per greenback spent on different on a regular basis purchases.Housing incomes construction: Earn as much as 1.25 factors per greenback spent by means of the tiered-rewards choice, or as much as 1 level per greenback spent when you choose to earn Bilt Money.Journey credit score: Obtain $100 in Bilt Journey portal resort credit every calendar yr.Welcome bonus: Earn $200 in Bilt Money once you apply and are accepted. Present cardholders of the previous Wells Fargo-backed Bilt Mastercard® are eligible for this supply.

The data for the Bilt Mastercard has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

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Associated: How good are Bilt’s first-ever welcome gives? Earn as much as 50,000 factors

Bilt Obsidian professionals and cons

Bilt Obsidian key advantages

Because the Bilt Obsidian Card fees a $95 annual price, you should not anticipate an extended listing of perks. Nevertheless, there are a couple of value contemplating:

A observe on Bilt Money

The Bilt Money you’ll be able to earn with the Bilt Obsidian Card could be redeemed contained in the Bilt Rewards platform in a number of methods, together with:

Health classesHome supply ordersHotel bookingsLyft ridesUnlocking factors on mortgage and lease funds; redeem $30 in Bilt Money to earn 1,000 Bilt factors on mortgage or lease funds, as much as the total value of your housing funds

Redeeming Bilt Money is the only real means to make sure you’re incomes factors on housing funds, so you will wish to use the Bilt Obsidian Card ceaselessly sufficient to unlock its full points-earning capabilities.

For instance, when you’re paying $2,000 in lease, you will must redeem $60 in Bilt Money to earn the total 2,000 Bilt factors in your lease cost. Nevertheless, when you redeem simply $30 in Bilt Money, you will earn 1,000 Bilt factors as an alternative. You will not pay a transaction price.

Bilt Money expires on the finish of every calendar yr. Simply $100 in Bilt Money rolls over to the subsequent yr.

For those who select to earn by means of the tiered-rewards choice, you will must spend 75% of what your housing cost prices to be able to earn a full 1 level per greenback.

Utilizing the identical $2,000 lease instance, you’ll need to spend $1,500 on on a regular basis purchases in the identical month to earn the total 2,000 factors kind your lease funds. There may be additionally no transaction price with this incomes choice.

Associated: Are you eligible for a brand new Bilt Rewards card welcome supply? Your greatest Bilt card questions answered

How Bilt factors work

Find out how to earn Bilt factors

The Bilt Obsidian Card earns:

4% Bilt Money on all nonhousing spending†3 factors per greenback spent in your alternative of both eating or grocery purchases (on as much as $25,000 per yr)2 factors per greenback spent on travel1 level per greenback spent on all nonhousing purchases‡As much as 1.25 factors per greenback spent on mortgage and lease funds

†Remember that when you go for the tier-rewards choice, you will not earn Bilt Money.

‡Tax funds and purchases with on-line resale marketplaces (equivalent to eBay or Fb Market) don’t earn factors.

Find out how to redeem Bilt factors

One of the best ways to get probably the most out of your factors is to switch them to one in every of Bilt’s 23 airline and resort companions. There are a number of high-value packages on this listing, together with Air Canada Aeroplan, Southwest Airways Speedy Rewards and United Airways MileagePlus.

I really like transferring my factors to Atmos Rewards to e-book short-haul home flights on American Airways. I ceaselessly discover award availability to fly American from Charlotte Douglas Worldwide Airport (CLT) to New York’s LaGuardia Airport (LGA) or Louisville Muhammad Ali Worldwide Airport (SDF) to go to pals for 4,500 to six,000 factors.

I additionally get pleasure from transferring factors to World of Hyatt, one of the vital award-friendly packages. Because of Hyatt’s profitable award chart, you’ll be able to e-book award nights at luxurious properties for strong charges.

You might additionally redeem factors towards:

Amazon.com purchases directlyBilt Assortment purchasesBilt Journey bookingsFitness classesNext month’s lease or mortgage

Nevertheless, these redemptions do not yield a worth that matches our valuation of Bilt factors at 2.2 cents apiece, so we do not suggest these routes.

Drawbacks to think about

It might be sophisticated for some cardholders to maintain observe of how a lot spending they will must placed on the Bilt Obsidian Card to earn sufficient Bilt Money to unlock full factors on their housing cost (ought to they select to earn this fashion).

One other issue to think about is that bonus factors from grocery spending are capped at $25,000 in spending per yr.

Lastly, if you would like extra advantages and protections from a bank card, the Bilt Obsidian Card could not present sufficient.

Evaluating the Obsidian to different Bilt playing cards

For those who’re searching for a premium Bilt card with extra perks (equivalent to Precedence Go airport lounge entry) and an elevated incomes price throughout all nonhousing purchases, the Bilt Palladium Card (see charges and charges) matches the invoice.

The entry-level Bilt Blue Card (see charges and charges) is greatest when you do not wish to pay an annual price and will not maximize the bonus classes on the Bilt Obsidian, because it earns 1 level per greenback spent on all nonhousing purchases.

Associated: Present Bilt cardholders: Key dates and deadlines as Bilt transitions to new card choices

Backside line

The Bilt Obsidian Card is a superb choice for Bilt Rewards fanatics who wish to maintain annual charges low and maximize bonus classes, whereas incomes factors on mortgage or lease funds.

For those who do not plan to make use of the Bilt Obsidian Card ceaselessly on nonhousing purchases, you need to skip it. You may wish to spend sufficient on the cardboard to unlock the total points-earning in your lease or mortgage funds.

And, if you would like lounge entry or extra advantages (equivalent to annual Bilt Money), you are higher off with the premium Bilt Palladium Card or one other top-tier journey card.

A cardholder who’s able to concentrate on Bilt Rewards, keep away from a excessive annual price and spend ceaselessly within the Bilt Obsidian Card’s bonus classes is within the excellent place to use. Given the excessive worth and suppleness of Bilt factors, you will not wish to miss out on them.

Apply right here: Bilt Obsidian Card

For charges and charges of the Bilt Obsidian Card, please click on right here.For charges and charges of the Bilt Palladium Card, please click on right here.For charges and charges of the Bilt Blue Card, please click on right here.