Bilt Obsidian Card

A rewards card that earns points on rent or mortgage payments, with extra points on dining and grocery.

Who it's for

This card fits you if your rent or mortgage is your biggest bill and you'd like to earn points on it. The Bilt Obsidian earns points on rent or mortgage payments plus higher points on dining and grocery. The annual fee is $95. Most cards either can't be used for rent or charge a fee to do it, so this is a rare way to get rewards on your biggest monthly expense.

Who should skip it

Skip it if you don't pay rent or a mortgage, or if you don't plan to use Bilt's points program. If you just want cash back, a flat 2% card or a grocery card may be simpler. And as always, if you carry a balance, interest will cost more than any points.

How to get the most from it

Set up your rent or mortgage payment through Bilt so you earn points on it. Use the card for dining and groceries, where it earns more. Check Bilt's site for the current earning rates and any spending requirements, since Bilt's card lineup is fairly new and its terms can change. Pay in full each month and compare redemption options before you use your points.

Pros

• Points on rent or mortgage
• Higher points on dining and grocery
• Modest $95 annual fee

Cons

• Value depends on using Bilt's program
• Terms are newer and still changing
• $95 fee, unlike the Bilt Blue Card

Frequently asked questions

Can you earn points on rent with the Bilt Obsidian?

Yes, the card earns points on rent or mortgage payments. Check Bilt's site for how payments are set up and any limits.

Bilt Obsidian or Bilt Blue?

The Blue has no annual fee and earns 1x on purchases plus points on rent. The Obsidian costs $95 and earns more on dining and grocery.

Does the Bilt Obsidian have an annual fee?

Yes, $95 a year.

What credit do you need for the Bilt Obsidian?

Bilt doesn't publish a minimum. It generally goes to people with good credit.