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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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Bilt Obsidian Card: annual fee, APR and rewards

Fact sheet for the Bilt Obsidian Card, issued by Bilt, with a $95 annual fee, an intro APR offer and points. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Bilt
Network	Mastercard
Annual fee	$95 a year
Fee waiver	$95; each authorized user: $50 per year.
Rewards	Points: Earns 4X on hotels through Bilt Travel, 3X dining or grocery (up to 6X at Bilt dining partners; grocery up to $25k/year), 3X on flights through Bilt Travel, 2X on other travel; 1X on other purchases; up to 1.25X points on rent and mortgage payments.
Purchase APR	26.74% to 34.74%, when you open your account, based on your creditworthiness and other factors. After that, your APR will vary with the market based on the Prime Rate.
Intro APR	10% intro APR on new eligible purchases for 12 billing cycles (10.00% Introductory APR applies to each New Card Purchase that posts to your account during the first 12 billing cycles after the date you open your account); after that, a variable APR of 26.74% to 34.74% will apply.
Balance transfer fee	Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Sign-up bonus	$200 Bilt Cash welcome bonus
Foreign transaction fee	None

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. bilt.com/card · legal.cardless.com/schumer/bilt/rates_and_fees.pdf · biltrewards.com/terms/bilt-card-offer-terms

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