Cards
Points & MilesCardless
BILT Obsidian Mastercard
Key facts
Annual fee$95/yr
Rewards currencyBILT Rewards Points
Recommended creditExcellent credit (750+)
Transfer partnersYes
Near all-time high offer
Current sign-up bonus
$200 in Bilt Cash upon approval, no minimum spend required≈ $200 value
Reward rates
3x points on dining or grocery
2x on Points on travel
1x on everything else
Annual credits
This card has annual credits — check the issuer's site for current details.
Travel benefits
Lounge Access
None — Priority Pass lounge access is exclusive to the Palladium tier on Bilt, not included on Obsidian.
Emergency Evacuation (Unconfirmed)
None
Travel Accident Insurance (Unconfirmed)
Yes
Baggage Delay (Unconfirmed)
Yes
Trip Delay (Unconfirmed)
Yes — 6 hours; ~$300
Trip Cancellation / Interruption (Unconfirmed)
Yes — ~$2,000 exact limits
Purchase protections
Return Protection (Unconfirmed)
None confirmed — not listed among Bilt Obsidian's published benefits. [UNCONFIRMED — Guide to Benefits required]
Cell Phone Protection (Unconfirmed)
Yes
Extended Warranty (Unconfirmed)
Yes
Purchase Protection (Unconfirmed)
Yes Guide to Benefits required
Other benefits
Annual Credits
$100 Bilt Travel Hotel Credit: up to $100, resets Semi-Annual.
Authorized User Fee (Unconfirmed)
$0
Foreign Transaction Fee
$0 — no foreign transaction fee
Secondary Rental Car (Unconfirmed)
Yes
Primary Rental Car (Unconfirmed)
None
Lost / Stolen Baggage (Unconfirmed)
Yes
Transfer Partners
Yes — same as BILT Blue
Welcome Bonus (Unconfirmed)
None
Earn Rates (Unconfirmed)
3x dining; 2x travel; 1x rent (higher cap than Blue ); 1x everything else
Best for
Dining
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Card terms, reward rates, and offers are subject to change. Always review the current cardmember agreement before applying. He's Got a Point is not affiliated with or endorsed by any card issuer. Benefit coverage may vary — verify with the issuer before relying on any protection.
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