Bilt Obsidian Card

Bilt · US

Sign-up bonus

200 Bilt Cash

Annual fee

$95

Purchase APR

26.74–34.74% (varies by applicant)

Cash advance APR

—

Intro purchase APR

10% for 12 months

Rate formula

Prime 6.75% + 19.99–27.99%

FX markup

0% (no fee)

Fees/APR in USD; SUB in raw points or USD; logged-out public offer, captured 2026-08-23

Bonus breakdown

approval: 200 pts (credited on or about the account open date to the primary cardholder; no spend requirement)

2× Travel (airlines, hotels, motels, resorts, cruise lines, and car rental agencies)
1× Other eligible purchases

Tracked since 2026-07-22 (7 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.