Column N.A. (serviced by Cardless) for BiltBilt Obsidian
5181 0386 6115 2798
VALID THRU 04/28CASEY BROOKS
Rewards Cards · United States
Bilt Obsidian Card
Best for: Renters who spend heavily on dining and groceries
Annual fee$95/yr
IssuerColumn N.A. (serviced by Cardless) for Bilt
NetworkMastercard
Purchase APRSee issuer
Foreign transaction feeNone
Credit neededGood (typical; not issuer-st…
Pros
- Strong 3x dining/grocery
- Housing rewards
- Low fee
Cons
- $25,000 cap on 3x
- Bilt Cash mechanics are complex
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (January 14, 2026). New mid-tier card in the January 2026 Bilt Card 2.0 lineup.
Bilt Obsidian Card at a glance
| Issuer | Column N.A. (serviced by Cardless) for Bilt |
| Card network | Mastercard |
| Annual fee | $95 |
| Rewards rate | 3x dining/groceries (up to $25,000/yr), 2x travel, 1x other; plus 4% Bilt Cash; points on rent and mortgage |
| Welcome bonus | $100 hotel travel credit and $200 Bilt Cash on opening (reported) |
| Intro APR | 10.00% intro APR on new purchases for first 12 months |
| Regular APR | See issuer |
| Foreign transaction fee | None |
| Credit needed | Good (typical; not issuer-stated) |
| Best for | Renters who spend heavily on dining and groceries |
Key features
- Trip delay insurance
- No-fee rent and mortgage payments
- Credit bureau rent reporting
Pros
- Strong 3x dining/grocery
- Housing rewards
- Low fee
Cons
- $25,000 cap on 3x
- Bilt Cash mechanics are complex
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: newsroom.biltrewards.com · doctorofcredit.com
How it compares with similar USA cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Column N.A. (serviced by Cardless) for BiltBilt Obsidian 5181 0386 6115 2798 VALID THRU 04/28CASEY BROOKS Bilt Obsidian CardRenters who spend heavily on dining and groceries |
$95/yr | 3x dining/groceries (up to $25,000/yr), 2x travel, 1x other; plus 4% B… | 10.00% intro APR on new purchases for first 12 months | None | Good (typical; not issuer-stat… | — |
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None | 3x points on restaurants, travel, gas stations, transit, popular strea… | 0% intro APR on purchases for 12 months | None | Good to Excellent (700+) | |
JPMorgan ChaseDisney Inspire Visa 4833 0599 4109 0462 VALID THRU 09/32JORDAN TAYLOR Disney Inspire Visa CardDisney streaming subscribers and park/cruise regulars |
$149/yr | 10% Disney+/Hulu/ESPN+; 3% most U.S. Disney locations and gas; 2% groc… | 0% promo APR for 6 months on select Disney vacation packages | See issuer | Good to Excellent (typical; no… | — |
First Electronic Bank (managed by Imprint)Fanatics 3450 603023 11280 VALID THRU 02/31ALEX MORGAN Fanatics American Express CardSports fans who shop Fanatics |
None | Earns FanCash (rates not yet announced) | None | See issuer | See issuer | — |
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