Cardless · Personal card
Bilt Obsidian Card
The Bilt Obsidian Card has a $95 annual fee and one statement credit, worth up to $100 a year. None of them need enrollment.
- Annual fee
- $95
- Charged on your account anniversary
- Credits a year
- Up to $100
- 1 statement credit, used in full
- Need enrollment
- None
- Every benefit applies on its own
Every credit, and when it resets
Amounts are per period. The last column is what each credit adds up to in a year if you use it every time.
| Credit | Amount | Resets | A year |
|---|---|---|---|
| Bilt Travel hotel credit$50 every six months. Twice a year, in January and July | $50 every six months | Twice a year, in January and July | $100 |
| Total a year, if you use every credit | $100 |
What people get wrong
- Nothing rolls over. Whatever is unused when a period ends is gone, so a monthly credit missed in March can't be used in April.
Questions about the Bilt Obsidian
What is the annual fee on the Bilt Obsidian Card?
$95 a year, charged each year on your account anniversary.
How much are the Bilt Obsidian credits worth?
Up to $100 a year, from one statement credit: Bilt Travel hotel credit ($100).
Which Bilt Obsidian benefits need enrollment?
None. Every Bilt Obsidian benefit applies without enrolling.
When do the Bilt Obsidian credits reset?
Twice-yearly credits reset on January 1 and July 1. Unused credit does not roll over.
Is the Bilt Obsidian worth the $95 fee?
On credits alone, only if you use at least 95% of them. They add up to $100 a year against the $95 fee, but each is tied to a merchant and a period, so what counts is the ones you would use anyway.
What points does the Bilt Obsidian earn?
Bilt Rewards points, worth about 1.88 cents each in a typical redemption.
