Cardless · $95 annual fee
Cardless Bilt Obsidian Card benefits and credits
Cardless Bilt Obsidian Card has 1 listed credit with an estimated annualized face value of up to $100 when fully used. The annual fee is $95. Count only benefits that fit purchases you would make anyway, and verify current enrollment and eligibility rules with Cardless.
$100
estimated annualized value
$95
per year
+$5
Based on full eligible use at face value
3
1 credits · 2 perks
Which credit benefits does this card include?
Bilt Travel Credit
Up to $100/year in Bilt Travel credits, split as two $50 semi-annual credits.
$50
semiannual · $100 estimated annualized value
What other benefits does this card include?
Cell Phone Protection
World Elite Mastercard cell phone protection when bill is paid with the card.
No Foreign Transaction Fees
No foreign transaction fees on international purchases.
Related benefit guides
Frequently asked questions
What is the estimated annualized value of Bilt Obsidian Card credits?
Cardless Bilt Obsidian Card has 1 listed credit with an estimated annualized value of up to $100 when every eligible benefit is fully used.
Does the Bilt Obsidian Card annual fee make sense?
Based on full eligible use at face value, the listed credits' estimated annualized value is about $5 more than the $95 annual fee, before rewards and other benefits. This modeled comparison is not savings. Your usable value depends on whether the credits match spending you would make anyway.
Which Bilt Obsidian Card benefits should I track first?
Start by reviewing Bilt Travel Credit because they have the largest estimated annualized face value in this guide. Prioritize only the benefits that fit purchases you would otherwise make.
What should I verify before relying on Bilt Obsidian Card benefits?
Check current Cardless terms for enrollment, eligible purchases, spending thresholds, benefit periods, and statement-credit timing. Account-specific terms and card changes can affect what applies to you.
Benefit terms can change. Estimated annualized values model full eligible use at face value and average multi-year credits across their eligibility periods. They do not represent actual savings. Verify current terms with Cardless.
Keep these credits on your list
Track all 1 listed credit benefits manually on Free. With Pro, the browser extension can import issuer-reported activity for supported cards after you sign in on the issuer's website and remind you before eligible benefits reset.