Bilt
Bilt Obsidian Card
Annual Fee
$95
Bonus Value
$200
Min Spend
$0K/0mo
Current Welcome Offer
200
Cash — worth ~$200
Spend $0 in 0 months
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Historical Intelligence
Offer history & timing
Current
200
Average
200
Tracked High
—
No offer change history on record yet.
Timing Intelligence
Typical offer
The current offer is in line with the typical range for this card (average: 200). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Based on limited history. Not financial advice. Always verify with issuer.
Intelligence
Decision guide
Offer Score
Average
Worth keeping for ongoing value (~$267/yr after bonus)
Timing
Typical offer
The current offer is in line with the typical range for this card (average: 200). No strong signal to wait — it's a reasonable time to apply if this card fits your needs.
Value
First-year value estimate
Conservative
+$267
65% benefit utilization, minimal travel redemptions
Realistic
+$267
85% benefit utilization, occasional transfer partner redemptions
Optimized
+$267
100% utilization, premium transfer partner redemptions
Keeper Value (Year 2+)
After the signup bonus — is it worth keeping?
+$267/yr
Based on avg US annual spend of $24,120 · Year 1 includes signup bonus. Illustrative — actual value varies by spending habits and redemption strategy.
Bilt Obsidian Card
Current offer: 200 Cash — worth ~$200
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Offers are based on publicly available information and are subject to change without notice. Estimated values are illustrative. Not affiliated with or endorsed by any card issuer.
Bilt Obsidian
200 Cash offer