Column N.A.
Bilt Obsidian Card (Dining)
Bilt Obsidian Card (Dining) costs $95 annual fee and earns up to 3× on dining. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Bilt Obsidian Card (Dining) returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- $95 annual fee
- Best earn rate
- 3× dining
- Points value
- 2.2¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- $200
- Foreign transaction fee
- none
What the Bilt Obsidian Card (Dining) earns
Hotels and rental cars through the issuer's travel site
4×
Only through the issuer's portal
Dining
3×
Flights through the issuer's travel site
3×
Only through the issuer's portal
Lyft
3×
Other travel
2×
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 4× | Only through the issuer's portal |
| Dining | 3× | |
| Flights through the issuer's travel site | 3× | Only through the issuer's portal |
| Lyft | 3× | |
| Other travel | 2× |
Rates checked with the issuer in October 2026. Spending outside these categories earns 1×. Confirm current terms with the issuer before you apply.
Is the Bilt Obsidian Card (Dining) right for you?
Enter a typical month. You will see what the Bilt Obsidian Card (Dining) returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
Bilt Obsidian Card (Dining) Top for your numbers
3× dining, 2× travel; 1× everything else. $95 annual fee.
Rewards $803 · Fee −$95
+$708
3× groceries, 2× travel; 1× everything else. $95 annual fee.
Rewards $803 · Fee −$95
+$708
+$609
+$552
How we estimate
- Every rate on this page comes from the card catalog. Bilt Obsidian Card (Dining) pays 1× on spending outside the bonus categories listed above, and up to 3× on dining.
- We value this card's points at 2.2¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
Find your best wallet for all your spending →{"focus":"","inputs":[{"key":"dining","prefill":"dining","noun":"dining"},{"key":"groceries","prefill":"groceries","noun":"groceries"},{"key":"gas","prefill":"gas","noun":"gas"},{"key":"transit","prefill":"transit","noun":"transit"},{"key":"streaming","prefill":"streaming","noun":"streaming"},{"key":"drugstores","prefill":"drugstores","noun":"drugstores"},{"key":"travel","prefill":"airfare","noun":"travel"},{"key":"other","prefill":"other","noun":"everyday spending"}],"path":"/credit-card-rewards-calculator","picks":[{"key":"bilt-obsidian-card-dining","name":"Bilt Obsidian Card (Dining)","fee":95,"cpp":0.022000000000000002,"base":1,"earn":[{"inputs":["dining"],"rate":3},{"inputs":["travel"],"rate":2}]},{"key":"bilt-obsidian-card-grocery","name":"Bilt Obsidian Card (Grocery)","fee":95,"cpp":0.022000000000000002,"base":1,"earn":[{"inputs":["groceries"],"rate":3},{"inputs":["travel"],"rate":2}]},{"key":"bilt-blue","name":"Bilt Blue Card","fee":0,"cpp":0.022000000000000002,"base":1},{"key":"bilt-palladium","name":"Bilt Palladium Card","fee":495,"cpp":0.022000000000000002,"base":2,"credits":200}]}What comes with it
Welcome bonus
$200
Points and partners
Bilt Rewards
Transferable to airline and hotel partners.
Airlines
Aer Lingus, Air Canada, Air France-KLM, Alaska Airlines, Atmos Rewards, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, Iberia, Japan Airlines, Qatar Airways, Southwest, Spirit, TAP Air Portugal, Turkish Airlines, United, Virgin Atlantic
Hotels
Accor (3:2), World of Hyatt, IHG, Marriott, Hilton, Wyndham
Where this data came from
Checked bilt.com 2026-10-05. $95 annual fee. The public welcome offer is $200 of Bilt Cash on approval with no minimum spend; it is paid in Bilt Cash rather than Bilt points. 3x on the selected category, which is uncapped for dining and capped at $25,000 a year for groceries, 4x on hotels and 3x on flights through the Bilt Travel portal, 3x on Lyft, 2x other travel, 1x otherwise. The $100 hotel credit is paid as two $50 statement credits, needs a stay of two nights or more booked through the Bilt Travel portal, and does not roll over between halves of the year.
FAQ
The Bilt Obsidian Card (Dining) charges $95 a year. Earning back $95 means about $180 a month on dining, where it earns 4.4¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest.
3× on dining, and 1× on spending outside its bonus categories.
It depends on your mix, not the card. Earning back $95 means about $180 a month on dining, where it earns 4.4¢ more per dollar than the base rate. Credits and the welcome bonus can cover the rest. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is $200, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply.
Yes. It earns Bilt Rewards, which you can transfer to the partners below. Airlines: Aer Lingus, Air Canada, Air France-KLM, Alaska Airlines, Atmos Rewards, Avianca, British Airways, Cathay Pacific, Emirates, Etihad, Iberia, Japan Airlines, Qatar Airways, Southwest, Spirit, TAP Air Portugal, Turkish Airlines, United, Virgin Atlantic. Hotels: Accor (3:2), World of Hyatt, IHG, Marriott, Hilton, Wyndham. Transfers are what make a 2.2¢ valuation reachable; using the points for cash back is worth far less.
No. The Bilt Obsidian Card (Dining) charges no foreign transaction fee, so spending abroad earns at the same rate as at home, minus what the merchant adds.