Card economics
Bilt Obsidian
Bilt Neighborhood Dining is a Bilt Rewards partner program, not a card earn rate, and is not modeled. At participating Bilt Neighborhood Dining restaurants (20,000+ U.S. locations) the Bilt app shows a restaurant-specific bonus that stacks on the card's own rate; Bilt's card page lists "up to 6X" for this card. The rate varies by restaurant and can change, the eligible Visa, Mastercard or American Express card must be linked to your Bilt account, and large parties, events and third-party marketplaces are excluded, while Bilt may withhold points on a single transaction over $2,500. The optimizer uses only the card's own earn rates. The 2x travel rate applies only at merchants Mastercard codes as airlines, hotels, motels, resorts, cruise lines and car rental agencies; other travel purchases such as tours, attractions, trains and campgrounds earn 1x.
Annual fee
$95/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Bilt Travel - Hotels | 4xPortal only |
| Bilt Travel - Flights | 3xPortal only |
| Flights outside issuer portals | 2x |
| Hotels outside issuer portals | 2x |
| Travel - Car Rentals / Agencies / Cruises | 2x |
| Everything else | 1xBase rate |
Transfer partners: Bilt Rewards
Special rules
Rent payments
This card can earn rewards on rent payments (via Bilt). Most cards earn 0 on rent due to processing fees.
Tiered rent earning
Rent earn rate depends on how much non-rent spend you put on this card. 25%+ non-rent ratio → 0.5x rent, 50%+ non-rent ratio → 0.75x rent, 75%+ non-rent ratio → 1x rent, 100%+ non-rent ratio → 1.25x rent. Below 25%: 250 pts/month baseline.
Category choice
Choose between Dining 3x or Groceries 3x. The optimizer picks whichever earns more based on your spending.
Mutual exclusion
This card is part of the "bilt_cards" group — you can only use one card from this group in your setup.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$95/yr
Credits
-$0
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$95
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $100/yr · counted per year; paid twice a year
$50 January-June and $50 July-December ($100/year) for 2+ night hotel stays through Bilt Travel. Credits do not roll over.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The Bilt Obsidian might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.