Bilt Obsidian

Bilt Obsidian is built for cardholders who want flexible travel points and a little customization in their rewards, not just a flat earning rate everywhere. It works best as an everyday card for someone who can make real use of the rotating 3x Choice category and a few recurring travel and lifestyle credits.

Annual Fee

$95

Rec. Credit Score

Good

Good For

Flexible everyday travel points

How to Apply Estimate your value

All information about Bilt Obsidian has been collected independently by MaxRewards. Bilt Obsidian is no longer available through MaxRewards.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is the Bilt Obsidian worth it?

This card is great for...

One bonus category you can tailor

Lyft and hotel credit usage

General travel purchases

For the right cardholder, the $95 annual fee is reasonable. The card gives you Bilt Rewards points on everyday spending, solid 2x earnings across a broad set of travel purchases, and a customizable 3x category on up to $25,000 in spend. If you regularly spend in the category you choose and can use the monthly Lyft credit plus the semi-annual Bilt Travel hotel credit, the ongoing value is pretty easy to justify.

This card is a weaker fit if you want a simple setup with no management or if you value a large welcome bonus to offset the first year. There is no sign-up bonus here, and the headline value depends more on how deliberately you use the card over time. If you will not use the credits and you do not have a clear plan for the Choice category, a simpler cash-back or travel card will likely be a better match.

MaxRewards Verdict

Bilt Obsidian makes sense for someone who wants travel points with a bit of control over where the highest rewards land. Its biggest limitation is that much of the value comes from ongoing use and credits, not from a strong first-year bonus.

Earning

Rewards

Bilt Obsidian earns Bilt Rewards points, with the strongest value coming from the category you select for 3x earnings and from travel purchases that consistently earn 2x. Think of it as a flexible everyday rewards card that gets better when your spending is predictable enough to take advantage of that chosen bonus category.

CategoryRate

Choice

Up to $25,000 spend per year

3.8%

Airline

2.5%

Car Rental

2.5%

Cruise

2.5%

Hotel

2.5%

Resort

2.5%

Everywhere

1.3%

Rewards percent based on a valuation of 1.25¢ per Bilt Rewards point

Annual Credits & Perks

Benefits

The benefits here are practical rather than flashy. A few recurring credits can help offset the annual fee, and the travel, rental car, cell phone, and purchase protections add useful coverage if you actually put those purchases on the card.

BenefitAnnual value

$100

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

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$5 Lyft Credits

Autotracked

of $5

Benefits

Insurance

MasterRental Coverage

Coverage for damage or theft

Cellular Wireless Telephone Protection

Coverage for damage or theft

Trip Cancellation Protection

Coverage if your trip is cancelled

Extended Warranty

Extends manufacturer warranty

Trip Delay Insurance

Coverage for delayed travel

Benefits

Other

Lyft Airport

10% off scheduled airport Lyft Rides

Peacock Premium or Premium Plus

Get a $3 monthly statement credit

Instacart+

Get 3 free months of Instacart+

Purchase Assurance

Coverage for damages or theft

Eligibility

Recommended Minimum Credit

Min: Good

Poor

Fair

Good

Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

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