Illustration, not the actual card

Bilt Obsidian Card: credits, perks, and reset windows

Statement credits and enrolled perks for the Bilt Obsidian Card, taken from issuer pages we have on file. Tracker selections stay in your browser.

card Issuer: Bilt (issued by Column N.A.; serviced by Cardless). Annual fee: $95 (Source for Bilt Obsidian Card annual fee (opens in new tab)) — bilt.com/card comparison table: 'Annual fee † $95'.. Card last verified: 2026-11-02.

Max if every credit is used
$100
Yearly maximum from verified credits
Difference after fee
$5
Yearly maximum credits minus fee

Credits and perks

Annual fee vs credits math

Maximum if every credit is fully used: $100 per year (sum of verified yearly maximums for monthly, quarterly, twice-a-year, and annual credits; no multiplying).

Inputs to this total:

Annual fee (verified): $95. Source for Bilt Obsidian Card annual fee (opens in new tab).

Inputs to this fee figure:

Difference (yearly maximum credits minus fee): $5 (site-calculated from the sourced rows below).

Inputs to this difference:

What this page tracks

This page lists statement credits and enrolled perks from public issuer materials in our card data file. It is not financial advice. Amounts we have not checked yet show as Not yet verified. We do not invent numbers.

Transfer partners

Bilt Rewards partners from the issuer’s public list. Last verified: 2026-11-01. Source for Bilt Rewards partners (opens in new tab). See Bilt Rewards transfer partners.

Bilt Rewards transfer partners
PartnerPartner typeRatioNotesSourceLast verified
Accor Live LimitlessNot listed3:2Accor Live Limitless -3:2Source (opens in new tab)2026-11-04
Aer Lingus AerClubNot listed1:1Aer Lingus AerClub -1:1Source (opens in new tab)2026-11-02
Air Canada AeroplanAirline1:1Air Canada Aeroplan® -1:1Source (opens in new tab)2026-11-02
Air France-KLM Flying BlueNot listed1:1Air France/KLM Flying Blue® -1:1Source (opens in new tab)2026-11-02
Amtrak Guest RewardsNot listed2:1Amtrak Guest Rewards® -2:1Source (opens in new tab)2026-11-04
Atmos Rewards (Alaska Mileage Plan)Airline1:1Atmos Rewards (Alaska Airlines + Hawaiian Airlines) -1:1Source (opens in new tab)2026-11-02
Avianca LifeMilesNot listed1:1Avianca Lifemiles -1:1Source (opens in new tab)2026-11-04
British Airways ClubNot listed1:1British Airways Executive Club -1:1Source (opens in new tab)2026-11-02
Cathay Pacific Asia MilesNot listed1:1Cathay Pacific -1:1Source (opens in new tab)2026-11-04
Emirates SkywardsNot listed1:1Emirates Skywards® -1:1Source (opens in new tab)2026-11-04
Etihad GuestNot listed1:1Etihad Airways -1:1Source (opens in new tab)2026-11-04
Hilton HonorsHotel1:1Hilton Honors -1:1Source (opens in new tab)2026-11-02
Iberia PlusNot listed1:1Iberia Plus -1:1Source (opens in new tab)2026-11-02
IHG One RewardsHotel1:1IHG® One Rewards -1:1Source (opens in new tab)2026-11-02
Japan Airlines Mileage BankNot listed1:1Japan Airlines -1:1Source (opens in new tab)2026-11-02
JetBlue TrueBlueAirline1:1JetBlue TrueBlue® - 1:1Source (opens in new tab)2026-11-04
Marriott BonvoyHotel1:1Marriott Bonvoy™ -1:1Source (opens in new tab)2026-11-02
Preferred Hotels & Resorts I Prefer / PHGNot listed1:2I Prefer Hotel Rewards - 1:2 (Bilt Transfer Partners page)Source (opens in new tab)2026-11-04
Qatar Airways Privilege ClubNot listed1:1Qatar Airways Privilege Club Avios -1:1Source (opens in new tab)2026-11-04
Southwest Rapid RewardsAirline1:1Atmos Rewards (Alaska Airlines + Hawaiian Airlines) -1:1Source (opens in new tab)2026-11-02
TAP Miles&GoNot listed1:1TAP Miles&Go -1:1Source (opens in new tab)2026-11-02
Turkish Airlines Miles&SmilesNot listed1:1Turkish Airlines Miles&Smiles -1:1Source (opens in new tab)2026-11-02
United MileagePlusAirline1:1United MileagePlus® -1:1Source (opens in new tab)2026-11-02
Virgin Atlantic Flying ClubNot listed1:1Virgin Atlantic Flying Club -1:1Source (opens in new tab)2026-11-02
Virgin RedNot listed1:1Virgin Red® -1:1Source (opens in new tab)2026-11-04
World of HyattHotel1:1World of Hyatt® -1:1Source (opens in new tab)2026-11-02
Wyndham RewardsHotel1:1Wyndham Rewards® -1:1Source (opens in new tab)2026-11-02

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