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Cardless (Bilt)
Bilt Obsidian Card
MileagePlus®Aeroplan®$100 Bilt Travel hotel credit ($50 twice a year, 2-night min); 4% Bilt Cash on non-housing spend; fee-free rent/mortgage payments
Annual fee $95
Apply64,200miles/yr
Net value+$868
Rank#7 of 26
Earn by category
Miles a year · total 64,100Earn rules
| Category | Conditions | Rate | Monthly cap |
|---|---|---|---|
| Base earn | 1 mi / $1 | ||
| Dining & cafés | Bilt Dining partner restaurants (up to 6x)calculated as 5% of this category | 6 mi / $1 | None |
| Dining & cafés | If you pick Dining3x dining when Dining is chosen (the default). The choice is made once a year in January.calculated as 95% of this category | 3 mi / $1 | None |
| Groceries | If you pick Grocery3x grocery when Grocery is chosen (the choice is made once a year in January)calculated as 90% of this category | 3 mi / $1 | 4,167 miles |
| Transport & fuel | Lyft rides (after linking accounts)calculated as 10% of this category | 3 mi / $1 | None |
| Travel & airfare | Flights booked through Bilt Travel, portal onlycalculated as 5% of this category | 3 mi / $1 | None |
| Travel & airfare | Hotels booked through Bilt Travel, portal onlycalculated as 5% of this category | 4 mi / $1 | None |
| Travel & airfare | Other travelcalculated as 90% of this category | 2 mi / $1 | None |
| Everything else | Walgreens (2x+, per Doctor of Credit)calculated as 3% of this category | 2 mi / $1 | None |
- This card makes you choose one of: Dining / Grocery. We use whichever earns you more.
- Monthly caps apply to bonus earn above the base rate; base earn continues after the cap.
- Earns Bilt Points; calculated at 1 points = 1 mile
- 1 mile ≈ 1.5¢ (assumption, Oct 2026). Earn rates and annual fees follow each issuer’s disclosure.
Where these miles go
This card earns or transfers to these programs.
MileagePlus®United Airlines · 1 mile ≈ 1.2¢
Aeroplan®Air Canada · 1 mile ≈ 1.5¢Used in your result
Verified 2026-10-23 · Cardless (Bilt) disclosure·Report an error