Card details · Cardless
Bilt Obsidian Card review: fees, rewards and APR
The Bilt Obsidian Card is a credit card from Cardless with a $95 annual fee. By our overall score it ranks #18 of the 294 credit cards we rank (store-only cards excluded). It is listed in our dining, grocery and travel rankings.
Key facts
- Issuer
- Cardless
- Network
- Mastercard
- Annual fee
- $95
- Welcome offer
- $200 Bilt Cash when you apply and are approved.
- Intro APR
- purchases 12 months
- Ongoing APR
- 26.74%-34.74% variable
- Foreign transaction fee
- None
- Our overall score
- 65 (#18 of 294 cards)
Sign-up bonus history
We have tracked this card’s welcome offer since April 2026 and have not recorded a change in its headline amount ($200). How we track offer history.
Rewards
- Choose 3X on dining OR grocery (grocery capped at $25K/year) + 2X travel + 1X everyday spend + 4% Bilt Cash on everyday spend (excluding housing) and up to 1X points on housing or up to 1.25X points on housing.
Benefits and notes
$100 Bilt Travel Hotel credit
Intro APR and balance transfers
0% intro APR on purchases for 12 months.
Ongoing APR: 26.74%-34.74% variable
Where it ranks
- Overall: #18 of 294 cards (score 65)
- Dining cards: #1 of 67 by our dining score
- Grocery cards: #4 of 57 by our grocery score
- Travel cards: #16 of 47 by our travel score
Category positions use the score each category ranking is built on, among the non-store cards tagged with that category in our database; a category page can show fewer cards (for example after filters), so its on-page position can differ slightly.
How we put this page together
Everything on this page comes from our card database (checked against Cardless’s own site) as of October 21, 2026: fees, APRs, rewards and the welcome offer are shown as stored, without our own estimates. The score is our overall card score, explained in our methodology. We don’t publish star ratings or user reviews. Terms apply; confirm current terms with the issuer before applying.
Compare the Bilt Obsidian Card
Frequently asked questions
What is the annual fee on the Bilt Obsidian Card?
$95, as stored in our database. Confirm the current fee on Cardless’s site.
Does the Bilt Obsidian Card have a welcome bonus?
Our database lists this offer: $200 Bilt Cash when you apply and are approved. Offers change often and terms apply.
Does the Bilt Obsidian Card have a 0% intro APR?
Our database lists: 0% intro APR on purchases for 12 months. Terms apply.
Does the Bilt Obsidian Card charge foreign transaction fees?
Our database lists no foreign transaction fee for this card.
How does the Bilt Obsidian Card rank on YourBestCards?
#18 of 294 cards by our overall score (65). In our category lists: #1 of 67 dining cards; #4 of 57 grocery cards; #16 of 47 travel cards.
Has the Bilt Obsidian Card sign-up bonus changed?
Not in its headline amount, as far as we have tracked since April 2026: it has stayed at $200 in our records. Offers can change at any time; terms apply.
Other top-scoring cards
- 8X points on Chase TravelSM purchases
- 4X on flights and hotels booked direct
- 3X on dining worldwide
- Annual fee
- $795
- Welcome offer
- Earn 100,000 points after you spend $6,000 in purchases in the first 3 months from account opening.
- 4X Membership Rewards points at U.S. supermarkets (up to $25,000/year)
- 4X at restaurants (up to $50,000/year)
- 3X on flights through American ExpressTravel
- Annual fee
- $325
- Welcome offer
- Earn up to 100,000 Membership Rewards Points after $8,000 spend in 6 months.
- 4X points on your top 2 eligible categories each month (advertising, electronics/software/cloud, gas, restaurants, transit, wireless), on the first $150,000 in combined purchases per year, then 1X. 3X on flights and prepaid hotels on AmexTravel.com. 1X on everything else.
- Annual fee
- $375
- Welcome offer
- AS HIGH AS 200,000 Membership Rewards® Points after you spend $15,000 in purchases on your new Card within the first 3 months of Card Membership. Welcome offers vary and you may not be eligible for an offer.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- 5X points on flights booked directly with airlines or through American Express Travel®, on up to $500,000 per calendar year
- 5X points booked at hotels on American Express Travel®
- 1X points on other purchases
- Annual fee
- $895
- Welcome offer
- As high as 175,000 Membership Rewards® points after you spend $12,000 in purchases on your new Card within the first 6 months of Card Membership.
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.