Bilt Obsidian — Value Calculator
Estimate this card's 2-year value based on your spending and the annual credits you expect to use. Annual fees and reward valuations are included.
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.
Based on your current assumptions.
Rewards from Spending
Enter your expected yearly spend by category. Points valued at 1.25¢ each.
Choice
Up to $25,000 spend per year
Airline
Car Rental
Cruise
Hotel
Resort
Everywhere
Annual Credits
Include only the credits you expect to use.
Your assumptions
Build your estimate
Rewards from Spending
Enter your expected yearly spend by category. Points valued at 1.25¢ each.
Choice
Up to $25,000 spend per year
Airline
Car Rental
Cruise
Hotel
Resort
Everywhere
Annual Credits
Include only the credits you expect to use.
How the math works
How your estimate is calculated
We add the value this card could provide over two years, then subtract what it costs to keep.
Why two years?
Two years gives you a steadier view of the card’s ongoing value and cost than a single year. This is especially useful for cards with welcome offers or annual fees.
Your 2-year estimate
Based on the choices above
Counted in both years
No annual credits selected
Annual fees
First-year fee + ongoing annual fee
Estimated 2-year value
A planning estimate, not a guarantee.
We apply the card’s reward rate to the yearly spending you entered for each category. Spending above a category cap earns the card’s base rate, and the yearly rewards total is counted twice.
Only the credits you turned on are included. We assume you use each selected credit in both years.
We use the redemption method or point value shown in the calculator. The value you actually receive can vary depending on how you redeem your rewards.
We subtract the card’s first-year fee and its ongoing annual fee. If the first-year fee is waived, the first year counts as $0.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.