General
CardlessBilt Obsidian Card
Paying Rent
Welcome bonus
$200 in Bilt Cash upon approval — no spend required
Rewards
Everyday
General
1xTravelAll other travel
2xPick one
These are alternatives — you earn the bonus rate on whichever you select, not both.
Dining & Food DeliveryDefault
3xGroceries & SupermarketsFirst $25,000 per year, then the base rate
3xBonus categories
Each applies only to the spend described, not to the whole category.
TravelHotels through Bilt Travel
4xTravelFlights through Bilt Travel
3xHousing
Rent, mortgage and HOA through Bilt
up to 1.25xThe rate scales with how much non-housing spend you put on the card:
- 100% or more of your rent in everyday spend
- 1.25x
- 75-99% of your rent in everyday spend
- 1x
- 50-74% of your rent in everyday spend
- 0.75x
- 25-49% of your rent in everyday spend
- 0.5x
- Under 25% — a flat 250 points
- 250 pts
Bilt Cash
A separate balance from Bilt Points. Bilt Cash spends dollar-for-dollar inside the Bilt ecosystem — it can't be taken as a statement credit or cashed out, so it isn't cash back.
- $200 in Bilt Cash upon approval — no spend required
Not counted in your profile's estimated rewards, which totals only spendable value.
Benefits
- $100 annual Bilt Travel Hotel credit distributed as $50 semi-annually
- Primary MasterRental car rental coverage
- Trip cancellation and interruption protection
- Trip delay reimbursement
- Purchase assurance
- Cellular wireless telephone protection
- No foreign transaction fees
Pros
- No foreign transaction fees
- No transaction fee on rent and mortgage payments made through Bilt
- Up to 1.25X points on rent and mortgage payments with Housing-only rewards option
- Strong rewards on dining at Bilt Neighborhood Dining restaurants (up to 6X)
- Primary MasterRental car rental coverage
- Trip cancellation and interruption protection
- Trip delay reimbursement
- Purchase assurance
- Cellular wireless telephone protection
- $100 annual Bilt Travel Hotel credit
- Welcome offer with no spend required
Cons
- High variable APR of 26.74%–34.74%
- 10% intro APR on new eligible purchases for the first 12 billing cycles
- Grocery category capped at $25,000 per calendar year
- Annual fee of $95
- Category change limited to once per year after initial 30-day window