If you open a card, we’d appreciate if you apply through our link. It helps keep Cloud9Club running at no extra cost to you.
Bilt Obsidian Card
Bilt’s mid-tier card with 3x on your choice of dining or groceries, 2x on travel, and up to 1x on rent and mortgage payments. Includes a $100 annual hotel credit through the Bilt Travel portal and access to 20+ airline and hotel transfer partners.
The Sweet Spot in the Bilt Lineup
The Obsidian is where Bilt starts to get interesting for anyone who wants more than just rent rewards. 3x on dining or groceries plus 2x on travel is a competitive earn structure, especially when those points transfer 1:1 to partners like Hyatt, Air Canada, United, and Turkish Airlines.
The $100 annual hotel credit through Bilt Travel helps offset the $95 fee right away, and the World Elite Mastercard perks (trip cancellation, trip delay, rental car coverage) add real protection for travelers. If you already have the Blue and want to level up your earning without jumping to the $495 Palladium, this is the card to look at.
Earn on Rent & Mortgage
Earn up to 1x points on housing payments with no transaction fee. Works with virtually any landlord or mortgage servicer.
$100 Hotel Credit
$100 annual Bilt Travel hotel credit, applied as two $50 statement credits for qualifying bookings of 2+ nights.
Cellular Wireless Telephone Protection
Cellular Wireless Telephone Protection when you pay your monthly cellular wireless telephone bill with your Bilt Obsidian Card. (See Guide to Benefits)
Trip Cancellation/Interruption & Trip Delay
Trip Cancellation and Interruption Protection, plus Trip Delay Reimbursement for covered travel expenses. (See Guide to Benefits)
MasterRental Coverage
MasterRental Coverage when you rent a vehicle and decline the rental company’s collision/damage waiver. (See Guide to Benefits)
Purchase Assurance
Purchase Assurance for eligible new purchases against damage or theft. (See Guide to Benefits)
Neighborhood Benefits
Earn additional points at over 50,000 merchants in the Bilt Neighborhood network, including fitness, dining, and more.
Maximum benefit amounts, restrictions, and limitations apply. See Guide to Benefits for details.
| Annual Fee | $95 |
| Welcome Offer | $200 of Bilt Cash when you apply and get approved |
| Purchase APR | 26.74% – 34.74% variable |
| Balance Transfer APR | 26.74% – 34.74% variable |
| Balance Transfer Fee | Greater of 5% or $5 |
| Cash Advance Fee | Greater of 5% or $5 |
| Cash Advance APR | 31.74% – 34.74% variable |
| Foreign Transaction Fee | $0 |
| Hotel Credit | $100/year ($50 semi-annually) for Bilt Travel portal hotel bookings (2-night min.) |
| Recommended Credit | Good to Excellent |
| Network | World Elite Mastercard |
| Reward Type | Bilt Points (transferable to 20+ airline and hotel partners) or Bilt Cash |
Level Up Your Everyday Earning
3x on dining or groceries, 2x on travel, and points on rent. Plus a $100 hotel credit to offset the annual fee.
Learn how to applyIf you open a card, we’d appreciate if you apply through our link. It helps keep Cloud9Club running at no extra cost to you.
This is not a guarantee of credit. All offers are subject to eligibility and approval. Cardless Inc. is the servicer of the Bilt Cards. Cardless is a financial technology company, not a bank. Bilt Cards are issued by Column N.A., Member FDIC, pursuant to license from Mastercard International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated. The 3x grocery category is capped at $25,000 in purchases per year, then earns 1x. Up to $100 of Bilt Cash earned rolls over to the next year; any remaining balance expires at the end of each calendar year. Rates & Fees | Offer Terms | Guide to Benefits