No longer offered to new applicants. Retired from Bilt's lineup. Verified live 2026-09-27: bilt.com/card/obsidian serves Bilt's fallback shell (HTTP 200, no og:url, no ratesAndFees link), and the tier is absent from the site's card lineup. Matt confirmed retirement 2026-09-27.
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 2026-09-27
Bonus breakdown
approval: 200 pts (credited on or about the account open date to the primary cardholder; no spend requirement)
Earn rates
2× Travel (airlines, hotels, motels, resorts, cruise lines, and car rental agencies)
1× Other eligible purchases
Benefits
$100 Bilt Travel Hotel Credit
Disclosure documents
offer terms pdf
rates and fees pdf · 2026-01-14
History
Tracked since 2026-07-22 (13 snapshots). As the archive grows, sign-up-bonus and fee changes appear here.