Bilt

Obsidian

AF $95

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

Current offer

$200

$200 bonus · $150 year 1

Spend to earn

No min spend

posts on approval

All-time high

$200

now

Timing

—

not enough history

Value over time

Plot

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	$150	—	Feb ’26

What you get

No foreign transaction fees

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

standard values

SUB value	+$200
$200 cashback (face value)
Benefits (Year 1)	+$45
↳ $100 at sticker value — before custom valuations Bilt hotel credit($100 × ) Bilt hotel credit $100 × $45
Annual fee	−$95
Year 1	$150
Return · No spend required