Is the Bilt Obsidian Card worth $95/yr?
The honest math on the Bilt Obsidian Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $95 annual fee.
Bilt / Column N.A. Bank · $95 annual fee ($95/yr; authorized users are $50 each (not modeled).) · earns Bilt Points
Earning rates
- 3x Dining or groceries (you pick one for the year) (Groceries: 3x on up to $25,000 per calendar year, then 1x. Dining: uncapped (this app applies the $25k cap to both))
- 6x Bilt Neighborhood Dining partners
- 4x Hotels via Bilt Travel
- 3x Flights via Bilt Travel
- 2x Flights (booked direct)
- 2x Hotels (booked direct)
- 2x Other travel (cruises, car rental)
- 3x Lyft rides
- 2x Rent Day: 2x on the 1st of each month (Bonus capped at 1,000 points per month — about $1,000 of spend on the 1st (≈$12,000/yr); promotion confirmed through 2027-01-01)
- 1x Everything else
Statement credits (1)
- $100 Bilt Travel Hotel Credit — $50 per half-year (Jan–Jun, Jul–Dec) toward a hotel booking of 2+ nights made through the Bilt Travel portal.
Protections and perks (8)
- Cell Phone Protection — Up to $800 per claim for theft or accidental damage when you pay your monthly wireless bill with the card ($50 deductible).
- MasterRental Coverage (Secondary) — Secondary collision/damage coverage on rentals paid with the card, up to 31 consecutive days.
- Trip Cancellation / Interruption — Up to $2,000 per covered trip ($5,000 per account per 12 months) for non-refundable common-carrier fares cancelled or interrupted by covered injury, illness, or death.
- Trip Delay Reimbursement — Up to $300 per trip for expenses when a common-carrier trip paid with the card is delayed more than 6 hours.
- Lost or Damaged Luggage — Up to $1,500 per incident to repair or replace checked or carry-on luggage lost or damaged by a common carrier, when the ticket was paid with the card.
- Purchase Assurance — New purchases covered for 90 days against damage or theft, up to $1,000 per claim.
- Extended Warranty — Doubles an eligible US manufacturer's or store warranty of 24 months or less, up to 24 additional months.
- No Foreign Transaction Fees — No surcharge on purchases made abroad.
Card data verified against Bilt / Column N.A. Bank on 2026-08-21.
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