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ADVERTISING DISCLOSURE:
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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Bilt Obsidian Card
Credit Recommended:
Excellent / Good
Credit Card Details
- Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
- 3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
- 2X points on travel.
- 1X points on everyday spend.
- Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
- $100 Bilt Travel Hotel credit. Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings.
- Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
- Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
your rewards
EARN
REDEEM
BONUS OFFER
Welcome offer: $200 of Bilt Cash when you apply and get approved. At the end of each calendar year, any Bilt Cash balance over $100 will expire.
REWARDS RATE
3X
3X points on your choice of grocery (up to $25K/year) or dining. Your 3X category choice remains in effect for the entire calendar year.
2X
2X points on travel.
1.25X
Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
1X
1X points on everyday spend.
Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt's network of 50,000+ merchant partners.
Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
At the end of each calendar year, any Bilt Cash balance over $100 will expire. Bilt points don’t expire.
Interest Rates & Fees
Intro APR:
10% intro APR on New Card Purchases for the first 12 billing cycles after account opening
Regular APR:
26.74 - 34.74% variable
Penalty APR:
None
Intro APR:
N/A
Regular APR:
26.74 - 34.74% variable
Balance Transfer Fee:
Greater of 5% or $5
Regular APR:
31.74 - 34.74% variable
Cash Advance Fee:
Greater of 5% or $5
Penalty APR:
None