Bilt Mastercard® Obsidian

Earn 3X Bilt Points on your choice of dining OR grocery each calendar year; grocery purchases capped at $25,000 per year.

Earn up to 1.25 points per dollar on housing payments per Bilt's monthly rent-spend ratio and eligibility rules.

Optionally choose to earn 4% back in Bilt Cash on everyday spend instead of Bilt Points.

Up to 31-day rentals; covers physical damage and theft, plus loss of use up to $500 per incident; primary coverage outside the U.S. when you have no other applicable insurance.

Up to $2,000 per covered trip and $5,000 per account per 12 months for non-refundable trip costs charged to the card (covered losses include sickness, accidental injury, or death of an eligible traveler/companion/family member). Secondary.

Up to $300 per trip when common-carrier travel is delayed more than 6 hours due to inclement weather, equipment failure, or lost/stolen passport; 1 claim per 12 months. Secondary.

Up to $1,500 per incident for repair or replacement of checked or carry-on luggage and contents; max 2 claims per 12 months. Worldwide. Secondary.

Up to $800 per claim ($1,000 per card per 12 months) for theft or damage to phones on your monthly bill, when the bill is paid with this card; $50 deductible, max 2 claims per 12 months. Excludes lost or mysteriously disappeared phones.

Damage or theft coverage on eligible new purchases for 90 days; up to $1,000 per loss and $50,000 per cardholder per 12 months. Secondary.

Doubles the original U.S. manufacturer's or store warranty (warranties of 24 months or less) up to an additional 24 months; max $10,000 per claim.

Surface, dark, and deep web monitoring for compromised credentials, plus credit-bureau monitoring and resolution specialist support; enrollment required.

Curated luxury hotel collection bookings with Lowest Hotel Rate Guarantee and Hotel Stay Guarantee, plus premium amenities and upgrades.

24/7/365 personal-assistant access for travel, dining, entertainment, and event planning (1-877-354-8330).

24/7 worldwide assistance for lost/stolen card reporting and emergency card replacement.

No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.