Bilt Obsidian
A $95-a-year travel rewards card from Bilt.
Rates, fees, and full terms are set by Bilt and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Is this card right for you?
people who spend heavily on dining, groceries, and travel and want travel rewards they can grow.
you will not use enough of its perks and credits to cover the $95 annual fee.
Earning rates
Best ways to earn & redeem
Put your dining, groceries, and travel spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.
When you cash in, transfer the points to airline and hotel partners for potential outsized value, or take a flat 1 cent as cash or travel. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
Statement credits
Transfer partners
Your Bilt Points transfer directly to airline and hotel loyalty programs, usually at 1:1. That is where transferable points beat flat cash back, because the right award can be worth well over 1 cent each. Major partners include:
Airline partners
United Airlines, Alaska Airlines, American Airlines, Air Canada Aeroplan, Emirates Skywards, Cathay Pacific Asia Miles
To see what a specific flight award actually costs, look up live mileage prices and seat availability on seats.aero.
Hotel partners
You can check the live points price for a specific stay on rooms.aero.
See the full Bilt ecosystem, card lineup, and live transfer bonuses →
Alternatives to the Bilt Obsidian
Pairs well with
The Bilt Obsidian is a Bilt transfer hub. Pair it with these strong Bilt Points earners, whose points pool into it so you can transfer the combined balance.
Learn more
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Bilt Obsidian lands.
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