Bilt Obsidian Card
The Bilt Obsidian Card from First Electronic Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: $200 of Bilt Cash as a sign-up bonus. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Bilt Obsidian Card earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 66% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 3% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Bilt Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Bilt Obsidian Card reward caps and conditions?
The Bilt Obsidian Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3X points on your choice of dining or grocery )Grocery up to $25K/year)
- 3X points on your choice of dining or grocery )Grocery up to $25K/year) Capped at $25000 per year.
Who should get the Bilt Obsidian Card?
The Bilt Obsidian Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Bilt Obsidian Card fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 66% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Bilt Points value depends on how you redeem, not straight cash back.
Does the Bilt Obsidian Card have an annual fee, and what's the welcome bonus?
The Bilt Obsidian Card has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: $200 of Bilt Cash as a sign-up bonus. Confirm current issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- $200 of Bilt Cash as a sign-up bonus
What benefits come with the Bilt Obsidian Card?
The Bilt Obsidian Card includes $100 of Bilt Travel Hotel credit, Cellular Wireless Telephone Protection, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- $100 of Bilt Travel Hotel credit
Applied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings
- Cellular Wireless Telephone Protection
Reimbursement for the actual cost to replace or repair a stolen or damaged eligible cellular wireless telephone.
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Elite Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
- LyftIncluded with World Elite Mastercard®
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
- Mastercard GolfIncluded with World Elite Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
- Mastercard ID Theft ProtectionIncluded with World Elite Mastercard®
Monitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Common questions about the Bilt Obsidian Card
Does the Bilt Obsidian Card have an annual fee?
The Bilt Obsidian Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Bilt Obsidian Card?
Dining is the strongest Madeen category for the Bilt Obsidian Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Bilt Obsidian Card charge foreign transaction fees?
The Bilt Obsidian Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Bilt Obsidian Card welcome bonus?
The Bilt Obsidian Card welcome offer in our snapshot: $200 of Bilt Cash as a sign-up bonus. Minimum spend, eligibility, and offer windows are set by the issuer and can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Is the Bilt Obsidian Card annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Bilt Obsidian Card?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bilt Obsidian Card. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Bilt Obsidian Card compare to similar cards?
Compare the Bilt Obsidian Card against Brooks Brothers World Mastercard (4% on Dining, $0 fee); Qatar Airways Privilege Club Infinite (3.8% on Dining, $499 fee); Booking.com Genius Rewards Visa Signature (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bilt Obsidian Card This card | Dining | 3% | $95 |
First Electronic Bank | Dining | 4% | $0 |
First Electronic Bank | Dining | 3.8% | $499 |
First Electronic Bank | Dining | 3% | $0 |
First Electronic Bank | Dining | 2.5% | $99 |
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