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Who is the Bilt Obsidian Card for?
If you spend a lot on food and want to earn on rent or mortgage payments, the Bilt Obsidian Card is perfect for consumers who want to earn and also spend on food.
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Annual fee: annual_fees
Foreign transaction fee: foreign_transaction_fee
Earning rate:
- Earn up to 1X points on rent and mortgage payments
- 1X points + 4% back in Bilt Cash on everyday purchases
- 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
- 2X points on travel
Welcome offer: bonus_miles_full
Pros and cons
Pros:
- The modest annual fee makes holding this card accessible.
- The bonus category multipliers mean that the Bilt Obsidian Card can earn a lot of Bilt points without a hefty price tag.
Cons:
- Your category choice of groceries or dining is locked for the year. If you want to earn rewards on both categories, take a look at the American Express® Gold Card.
- The $100 Bilt Travel Hotel credit is not very valuable. It's split into two semiannual $50 credits for eligible hotel bookings through the Bilt Travel Portal.
Our take
As the middle-of-the-road option of the Bilt 2.0 Cards, the Bilt Obsidian Card is the Goldilocks option for those wanting to earn rewards on groceries or dining, while also earning rewards on rent or mortgage payments.
Going has partnered with CardRatings for our coverage of credit card products. Going and CardRatings earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. Opinions, reviews, analyses, and recommendations are the author's alone, and have not been reviewed, endorsed, or approved by any of these entities. Some of all of the card offers that appear on this page are from advertisers; compensation may affect how and where the cards appear on the site; and Going does not include all card companies are all available card offers.
Last updated June 2, 2026
