# Bilt Mastercard® Obsidian

> Earn up to 3x on dining and 3x on groceries. $300+ in statement credits per year. $95 annual fee.

Canonical page: https://cardstack.money/cards/bilt-mastercard-obsidian
Markdown mirror for AI agents and LLMs. Full index: https://cardstack.money/llms.txt

## At a glance

- Issuer: Bilt
- Network: Mastercard
- Annual fee: $95
- Rewards program: Bilt Rewards (https://cardstack.money/programs/bilt-rewards.md)
- Total statement credits value: $300 per year
- Net value after annual fee: +$205 per year (credits value minus fee)
- Welcome offer: $200 of Bilt Cash upon approval.

## Earning rates

| Rate | Category | Notes |
| --- | --- | --- |
| 3x | Dining | Choice |
| 3x | Groceries | Choice; Up to $25,000 |
| 2x | Travel |  |
| 1.25x | Rent & Mortgage | Up to 100k pts/yr |
| 1x | All other purchases | Base earn rate |

## Statement credits

### Bilt Travel Hotel Credit - $100/yr ($50 semi-annual)

$50 semi-annually for hotel bookings through Bilt Travel Portal (2-night minimum stay required).

- Resets: Jan–Jun / Jul–Dec ($50 per period)
- Where to redeem: Bilt Travel (https://www.bilt.com/rewards/travel), Hyatt (https://www.hyatt.com)
- Details: https://cardstack.money/benefits/bilt-mastercard-obsidian-bilt-travel-hotel-credit.md

### Welcome Bonus - $200 one-time

$200 Bilt Cash welcome bonus upon approval.

- Offer terms: One-time upon approval
- Where to redeem: Bilt Cash upon approval
- Details: https://cardstack.money/benefits/bilt-mastercard-obsidian-welcome-bonus.md

## Other benefits

- **3X on Dining or Grocery (Your Choice)**: Earn 3X Bilt Points on your choice of dining OR grocery each calendar year; grocery purchases capped at $25,000 per year.
- **Up to 1.25X on Rent and Mortgage**: Earn up to 1.25 points per dollar on housing payments per Bilt's monthly rent-spend ratio and eligibility rules.
- **Bilt Cash Option**: Optionally choose to earn 4% back in Bilt Cash on everyday spend instead of Bilt Points.
- **Auto Rental Coverage (MasterRental, secondary)**: 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.
- **Trip Cancellation and Interruption 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.
- **Trip Delay Reimbursement**: 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.
- **Lost or Damaged Luggage Insurance**: 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.
- **Cellular Wireless Telephone Protection**: 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.
- **Purchase Assurance**: 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.
- **Extended Warranty**: 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.
- **Mastercard ID Theft Protection**: Surface, dark, and deep web monitoring for compromised credentials, plus credit-bureau monitoring and resolution specialist support; enrollment required.
- **Mastercard Travel & Lifestyle Services**: Curated luxury hotel collection bookings with Lowest Hotel Rate Guarantee and Hotel Stay Guarantee, plus premium amenities and upgrades.
- **Mastercard Concierge Service**: 24/7/365 personal-assistant access for travel, dining, entertainment, and event planning (1-877-354-8330).
- **Mastercard Global Service**: 24/7 worldwide assistance for lost/stolen card reporting and emergency card replacement.
- **No Foreign Transaction Fees**: No foreign transaction fees on purchases processed outside the U.S.; issuer and network rules still apply.


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CardStack automatically tracks the Bilt Mastercard Obsidian's $300 in statement credits and reminds you before each one resets, so you use every dollar you paid for. Website: https://cardstack.money - App Store: https://apps.apple.com/app/apple-store/id6759270863