Bilt Obsidian Card

Bilt · Personal card · Checked against Bilt's terms Oct 26, 2026

The Bilt Obsidian earns 3x Bilt points on one category you pick each year restaurants and on one category you pick each year supermarkets; 2x Bilt points on flights, hotels, cruises and car rental; and 1x Bilt points on everything else. $95 a year. earnrate counts Bilt points at 1¢ each; transferring to airlines or hotels can be worth up to about 2.2¢.

Add it to your wallet

Earning rates

4
Hotel through Bilt Travel 4x Bilt points
2X travel plus 2 Bilt Travel Portal bonus points, which post after the stay. No portal bonus if any part is paid with Bilt Points, Bilt Cash or travel credit.
“On hotels, that means 4X total from the base plus the portal bonus.” bilt.com
3
Flight through Bilt Travel 3x Bilt points
2X travel plus 1 Bilt Travel Portal bonus point, which posts after the flight.
“delivers 3X total on flights booked through Bilt Travel” bilt.com
3
One category you pick each year restaurants 3x Bilt points
When dining is the 3X pick (the default). Restaurants, bars, bakeries and fast food by Mastercard merchant code. Uncapped.
“At account opening, dining is your default 3X category.” bilt.com
3
One category you pick each year supermarkets 3x Bilt points
When grocery is the 3X pick. Grocery stores and supermarkets by Mastercard merchant code; the $25,000 includes authorized users.
- Up to $25,000 of spending a year, then 1x Bilt points
“If you choose grocery, the 3X rate applies up to $25,000 in grocery purchases per calendar year.” bilt.com
3
Lyft 3x Bilt points
1X card earn plus 2X Bilt bonus after linking Bilt and Lyft accounts (matching phone numbers). Rides booked in the Lyft app only; bikes, scooters, Shared and Wait & Save rides, tips, taxes and fees don't earn the bonus.
- Activate it with Bilt first
“you earn 3X total on Lyft” bilt.com
2
Flights, hotels, cruises and car rental 2x Bilt points
Booked directly with airlines, hotels, motels, resorts, cruise lines and car rental agencies, by Mastercard merchant code. Travel agencies and transit don't count.
“3X on flights through Bilt Travel, 2X on other travel” bilt.com
1
Everything else 1x Bilt points
“Obsidian Card’s 1X everyday spend base rate” bilt.com

Categories you choose

Pick 1 of: dining and grocery (each year). If you don't pick, it's dining.

Sources

Rankings compare personal cards, each set up at its best for the purchase, with points at earnrate's default value. Rates change; check Bilt's terms before you apply.