Bilt Obsidian
Wells Fargo
Bilt Obsidian
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 24
Hotel boost: +9
Ongoing hotel value (conservative): ~$60
• $100 annual credits
Current $200 vs typical $200
Net value after annual fee: ~$165
Estimate based on our value hints; not financial advice.
Annual Fee
$95/yr
Bilt Obsidian
Welcome Offer
Earn $200 in Bilt Cash when you apply and are approved
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Bonus cooldown policy
Some cards appear to enforce a waiting period between bonuses. The cooldown varies by issuer — from 24 to 60 months depending on the card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
1x on rent (no fees)
4x on dining
3x on grocery
2x on travel
1x on all other purchases
Must use card 5 times per statement to earn points
Key benefits
Earn points on rent payments with no transaction fees
Earn points on rent payments with no transaction fees
4x on dining, 3x on grocery, 2x on travel
4x on dining, 3x on grocery, 2x on travel
Transfer points to 15+ airline/hotel partners
Transfer points to 15+ airline/hotel partners
No foreign transaction fees
No foreign transaction fees
Perks
Rent Day (1st of month): double points on dining
Rent Day (1st of month): double points on dining
Transfer to Hyatt, AA, United, Air Canada, etc.
Transfer to Hyatt, AA, United, Air Canada, etc.
No foreign transaction fees
No foreign transaction fees
Ongoing Value
Annual benefits that offset the fee year after year.
Annual Credits
$100 in statement credits per year
$100/year Bilt Travel hotel credit (2x $50 semiannual, requires 2-night minimum hotel booking).
Annual Fee Breakeven
Good fit for
About this card
The Wells Fargo Bilt Obsidian is a travel rewards card with a $95 annual fee. New cardholders can earn 200 cashback.
Best for
occasional travelers, dining enthusiasts
Key considerations
Low annual fee of $95 is easy to offset with benefits.
Card analysis
Offer analysis
The current offer on the Bilt Obsidian awards 200 cashback after spending $0 within 0 days of account opening.
Annual fee value
The $95 annual fee is largely offset by ongoing benefits including annual statement credits ($100), with an estimated total value of ~$100 per year.
In the first year, the sign-up bonus alone delivers approximately $205 in net value after the annual fee and benefit credits.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
Similar Cards
Autograph
Wells Fargo · $0/yr
Earn 20,000 points25/100
Bilt Blue
Wells Fargo · $0/yr
Earn 100 cashback21/100
Bilt Palladium
Wells Fargo · $495/yr
Earn 50,000 points77/100
Autograph Journey
Wells Fargo · $95/yr
Earn 60,000 points47/100
Get notified about new offers
We’ll let you know when card offers change or new cards drop.
By subscribing, you agree to receive card offer alerts and occasional newsletters. Unsubscribe anytime.