Bilt Obsidian

Bilt partner restaurants; 5x when Dining is selected as your 3x category. Rates may be higher at select locations.

4% back in Bilt Cash on all purchases excluding rent/mortgage. Stacks with points earning. Redeem dollar-for-dollar for Bilt Travel Portal hotels, Lyft credits, fitness classes, dining (Mobile Checkout), GoPuff delivery, or Bilt Collection merchandise. Can also unlock rent/mortgage points ($30 = 1,000 points). Expires at year-end; up to $100 rolls over.

Default selection. Can switch to Grocery annually in January.

Alternative to Dining selection. Can switch annually in January.

Bilt partner fitness studios; rates may be higher at select locations.

Requires linking Bilt and Lyft accounts.

Direct bookings with airlines or through Bilt Travel Portal.

Direct bookings with hotels or through Bilt Travel Portal.

Direct bookings with car rental agencies.

Direct bookings with cruise lines.

Miscellaneous travel purchases via Bilt Travel Portal.

Bilt Neighborhood Partner; rates may be higher at select locations.