Bilt Obsidian
$50 per authorized user per year
Credits 1
Every statement credit on this card, how often it comes back and when it resets. Together they’re worth up to $100 a year in cash credits, not counting ones you unlock by spending, points or free nights.
Every 6 months
Up to $50 Jan 1-Jun 30 and $50 Jul 1-Dec 31 on Bilt Travel hotel bookings of at least 2 nights; turn the credit on at checkout. Each half-year credit is lost if unused, with no rollover. Bilt can take the credit back if the booking is canceled or changed, or if the account closes within 90 days.
How to activate: When booking a 2+ night hotel on Bilt Travel in the Bilt app or website, turn the credit on at checkout.
Condition: Hotel booking of 2+ nights through the Bilt Travel Portal/app paid with the card
Also included
- No foreign transaction fees; no fee on rent/mortgage payments through Bilt
- Trip cancellation/interruption and trip delay reimbursement
- Lost or damaged luggage insurance
- Cell phone protection; extended warranty; purchase assurance
- MasterRental coverage
Before you apply
Cardless’s application rules, as reported by people who applied. Banks don’t publish most of these. All banks’ rules
Cardless, which issues Bilt, Qatar, Avianca and other co-brand cards, wants 60 days between approvals. Applying within 60 days gets declined.
Never miss one of these credits
Add the Bilt Obsidian to Premium Finance, our free app. It lists each credit with a checkbox, reminds you before they expire and shows whether the card earned its fee. Free.
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Last checked Oct 16, 2026. Spot something out of date? Tell us.