Bilt Obsidian Card
First Electronic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Electronic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Bilt Obsidian Card from First Electronic Bank earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: $200 of Bilt Cash as a sign-up bonus.
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
What does the Bilt Obsidian Card earn in each category?
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bilt Obsidian Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at.
Dining is the strongest category at 3% effective value (3x points at about 1 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bilt Obsidian Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 3x points | 3% |
| Gas Gas stations and fuel | 1x points | 1% |
| Travel Flights, hotels, transit | 1x points | 1% |
| Other General everyday spend | 1x points | 1% |
Madeen values Bilt Points at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Bilt Obsidian Card reward caps and conditions?
The Bilt Obsidian Card has 2 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 3X points on your choice of dining or grocery )Grocery up to $25K/year)
- 3X points on your choice of dining or grocery )Grocery up to $25K/year) Capped at $25000 per year.
Who should get the Bilt Obsidian Card?
The Bilt Obsidian Card fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Bilt Obsidian Card fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (3x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Bilt Points value depends on how you redeem, not straight cash back.
What is the Bilt Obsidian Card welcome bonus?
In Madeen's catalog snapshot, the Bilt Obsidian Card welcome offer is $200 of Bilt Cash as a sign-up bonus. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- 200 Bilt Points (~$2 estimated)
- Terms (catalog snapshot)
- $200 of Bilt Cash as a sign-up bonus
Does the Bilt Obsidian Card have an annual fee?
The Bilt Obsidian Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What benefits come with the Bilt Obsidian Card?
The Bilt Obsidian Card includes $100 of Bilt Travel Hotel credit, Cellular Wireless Telephone Protection, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
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Mastercard Transit Benefit
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$100 of Bilt Travel Hotel credit
$100/yrApplied twice a year, as $50 statement credits, for qualifying Bilt Travel Portal hotel bookings
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Trip Delay
$35/yrIf you are delayed more than six (6) hours while traveling to your destination or return destination, we will reimburse you for travel expenses as a result of the delay.
MasterRental Coverage
$25/yrWhen you rent a vehicle for 31 consecutive days or less with your covered card, you are eligible for benefits under this coverage.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
Related encyclopedia topics
Common questions about the Bilt Obsidian Card
Where do cardholders spend most with the Bilt Obsidian Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), groceries (3x) for the Bilt Obsidian Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Bilt Obsidian Card have an annual fee?
The Bilt Obsidian Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Bilt Obsidian Card?
Dining is the strongest Madeen category for the Bilt Obsidian Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Bilt Obsidian Card charge foreign transaction fees?
The Bilt Obsidian Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Bilt Obsidian Card welcome bonus?
The Bilt Obsidian Card welcome offer in our snapshot: $200 of Bilt Cash as a sign-up bonus. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Bilt Obsidian Card annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Bilt Obsidian Card compare to similar cards?
Compare the Bilt Obsidian Card against Brooks Brothers World Mastercard (4% on Dining, $0 fee); Qatar Airways Privilege Club Infinite (3.8% on Dining, $499 fee); Booking.com Genius Rewards Visa Signature (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bilt Obsidian Card This card | Dining | 3% | $95 |
First Electronic Bank | Dining | 4% | $0 |
First Electronic Bank | Dining | 3.8% | $499 |
First Electronic Bank | Dining | 3% | $0 |
First Electronic Bank | Dining | 2.5% | $99 |
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First Electronic Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of First Electronic Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure