Question 1

Is the Bilt Obsidian Card worth the annual fee?

Accepted Answer

The Bilt Obsidian Card is worth its $95 annual fee if you use most of its 13+ benefits. Calculate your ROI by adding the value of credits you redeem, lounge visits, and points earned, then compare to the annual fee. If total value exceeds the fee, keep the card. Tools like kardfolio can automate this calculation.

Question 2

When do Bilt Obsidian Card benefits expire?

Accepted Answer

Bilt Obsidian Card benefits expire on different schedules: monthly credits reset on the 1st, quarterly credits every 3 months, and annual credits on your cardmember anniversary or calendar year end. Check each benefit's terms for specific dates. Benefit tracking apps can send alerts before expiration.

Question 3

How do I track Bilt Obsidian Card benefits?

Accepted Answer

Track Bilt Obsidian Card benefits by: 1) listing all 13+ benefits and their values, 2) recording when you use each benefit, 3) setting calendar reminders before credits expire, 4) calculating total value vs annual fee. Apps like kardfolio automate this with expiration alerts and ROI tracking.

Question 4

What are the Bilt Obsidian Card earning rates?

Accepted Answer

The Bilt Obsidian Card earns: 3x on At grocery stores (when groceries selected as annual bonus category, up to $25K/year), 3x on At restaurants worldwide (when dining selected as annual bonus category), 2x on On travel purchases. Base rate is typically 1x on all other purchases. Points can be redeemed through the issuer's portal or transferred to airline/hotel partners for potentially higher value.

Question 5

Does the Bilt Obsidian Card have foreign transaction fees?

Accepted Answer

No, the Bilt Obsidian Card has no foreign transaction fees. This makes it suitable for international travel and purchases in foreign currencies without the typical 3% fee charged by many cards.

Bilt Obsidian Card

Bilt Obsidian Card

Earning Rates

Card Benefits

Travel

Hotels

Account Services

Credits

Insurance

Status

Card Details

Bilt Obsidian Card

Bilt Obsidian Card

Earning Rates

Card Benefits

Travel

Hotels

Account Services

Credits

Insurance

Status

Card Details