Bilt
Obsidian
What it is
The Obsidian is a Bilt card earning points. For most, its value is mostly up front in the welcome bonus rather than ongoing perks. Bilt's $95 mid tier, for renters who also spend on dining, groceries, and travel. Bilt Cash is Bilt's own credit (rent points or partner spend) and expires at year-end. One Bilt card per person.
Offer history
Not enough offer history yet.
Value is the welcome bonus at your valuations. The Year 1 total also counts recurring benefits and subtracts the annual fee. Spend / mo (the dashed line, right axis) is the monthly pace to clear the minimum spend in time — shown on every view so the spend stays in context.
| Offer | Bonus | Value | Year 1 | Return | Date |
|---|---|---|---|---|---|
PUBLIC ATH | $200no min spend | $200 | $155 | — | Feb ’26 |
What you get
- Bilt hotel credit$100per year
Up to $100 a year in statement credits toward hotels booked through Bilt Travel (two $50 credits, one per half of the year; two-night minimum stay).
Dollar figures are the benefit’s face value. What it’s worth to you — after realistic usage and your own point values — is in the receipt below.
The receipt
default values| SUB value | +$200 |
| $200 cashback (face value) | |
| Ongoing benefits (yr 1) | +$50 |
Bilt hotel credit($100 × ) Bilt hotel credit $100 × $50 | |
| Annual fee | −$95 |
| Year 1 | $155 |
| Return · No spend required | |
Your score sharpens once you sign in — we add eligibility, spend-fit, and 5/24.
Related cards
Obsidian scores 31 here on default point values. See where it ranks against every card, scored for your points, spend, and eligibility.
Open the ranked table →