Bilt (Column N.A.) · Mastercard · personal · Bilt Points
Bilt (Column N.A.)
Bilt Obsidian
MC
Web-verified 2026-06-01.
Review the linked sources below for offer details and eligibility.
Review the linked sources below for offer details and eligibility.
$95
annual fee
0%
foreign txn fee
$60
credits/yr realistic ($100 face)
$200
sign-up bonus ≈ 200 cash
Earning
| Bilt Travel portal (Issuer travel portal)
4x hotels through Bilt Travel; flights through Bilt Travel earn 3x
|
4x | 8.2% |
| Travel (general)
Other travel
|
2x | 4.1% |
| Rent
Up to 1.25x on housing with the housing-only rewards option; no transaction fee
|
1x | 2.05% |
| Mortgage
Same as rent
|
1x | 2.05% |
| Everything else | 1x | 2.05% |
| Choose 1: Dining & restaurants, Groceries (supermarkets)
3x on dining by default, or switch to 3x grocery (up to $25,000/yr) within 30 days of opening — one or the other |
3x |
Right column: value per $ at travel valuation (2.05¢/pt). Cash out ~0.55¢; 1.25¢ on Bilt Travel; ~2¢ via Hyatt / airline transfers.
Credits
- $100 Bilt Travel hotel credit /year · medium to use$100/yr as two $50 semiannual credits on 2+ night stays booked through Bilt Travel
Benefits
- No foreign transaction fees
- Bilt transfer partners
- Earn on housing with no transaction fee
Protections
| purchase protection | Purchase assurance (limits not shown) |
| trip cancellation | Trip cancellation and interruption protection (limits not shown) |
| trip delay | Trip delay reimbursement (limits not shown) |
| rental car | primary |
| cell phone | Cellular wireless telephone protection (limits not shown) |
Notes
From bilt.com/card fetched 2026-09-08 (issuer/network, protections, FTF and welcome bonus not shown on that page — Mastercard issued by Column N.A. per bilt.com/card/palladium). Housing (rent/mortgage/HOA) earns up to 1.25x with the housing-only rewards option and has no transaction fee. bilt.com/card/obsidian (2026-09-08): World Elite Mastercard, no FTF, primary rental car coverage, trip cancellation/delay, purchase assurance, cell phone protection.