Bilt Mastercard Obsidian
Bilt · Mastercard · $95 annual fee
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1. You pay through Bilt. Enter your landlord or mortgage servicer in the Bilt app and pay with the card. Bilt sends them a normal check or ACH transfer — your landlord does not need to participate and never sees a card.
2. There is no transaction fee. Paying rent by card normally costs 2–3% through a third party, which wipes out any rewards. Bilt charges nothing, which is the entire reason the card exists.
3. Your rate is tiered by your other spending. Housing points scale with how much you put on the card outside of rent — the more you use it for everyday purchases, the higher your housing rate climbs, up to 1.25 points per $1. Use the card only for rent and you earn at the bottom of the scale.
4. There is no longer a cap. Bilt Card 2.0 removed the old 100,000-point annual limit on housing. If you pay $3,000+ a month, that change alone is worth more than any other benefit on the card.
5. Or take cash instead. You can opt for the Bilt Cash track — 4% back on everyday purchases — instead of earning points on housing. You pick one track, not both.
Terms apply; verify current details with Bilt before applying.
The latest changes to this card — newest first. Verified against issuer terms.
Obsidian is the new middle tier
Part of Bilt Card 2.0, Obsidian sits between the free Blue and the $495 Palladium: a $100 hotel credit, a 3x category of your choosing, 2x travel, and unlimited uncapped rent points.
The $200 Bilt Cash covers year one
$200 credited at account open against a $95 fee — the first year is free and then some, with no spending requirement.
Rent cap removed across all tiers
The old 100,000-point annual limit on housing points is gone. If you pay $3,000+ a month in rent, that change alone is worth more than the fee.
Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Bilt before applying.