Bilt Obsidian — $200 Sign-Up Bonus (2026 Review)
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- No minimum spend required for the bonus
- Availability: Nationwide
- Annual fee: $95
60 days between approvalspersonal cardsYou wait 60 days after your most recent Cardless approval before you can apply for another Cardless card.
This is a timing rule rather than a cap on how many you can hold, and it replaced the stricter one card per lifetime policy Cardless dropped around May 2025. Several current trackers report it with matching figures. Cardless's own help pages blocked us, so this comes from those trackers rather than from the issuer's own wording.
45 days after a declinepersonal cardsIf Cardless declines you, you wait 45 days before applying for any Cardless card again.
Separate from, and on top of, the 60-day approval gap. The same trackers report both together with identical figures. It is unusual for an issuer to have a published cooldown on denials, so it is worth noting before you try a speculative application.
One card per partner brandpersonal cardsYou can hold only one Cardless card per partner brand at a time, such as one Qatar Airways card.
You cannot hold two of the same product, and you cannot reapply for a card you already have. This is the limit that replaced the old one card per lifetime rule, so holding a card for one brand no longer stops you getting a different brand's card.
Rewards Earning
Key Benefits
- No Foreign Transaction Fees
- Transfer Partners Available
- Travel Portal Redemption
Overview
The Bilt Obsidian is currently offering $200 with no minimum-spend requirement — check the issuer's offer terms for the qualifying activity. It carries a $95 annual fee, with no first-year credits to soften it. Estimated net year-one value: $105 — the bonus is cash back, valued at face.
Pros
Cons
Notes
This $200 offer has no minimum-spend requirement — confirm the qualifying activity in the issuer's terms, then put the card to work in its strongest categories. Route your everyday bills — utilities, groceries, gas, streaming subscriptions — through the Bilt Obsidian so it keeps earning after the $200 bonus posts. Mind your issuer rules: check the issuer's velocity rules before applying. Track the SUB cycle in Stacks OS so you can downgrade or cancel before the next AF posts if the card stops earning its keep.
How This Compares
Within Cardless's personal lineup, the closest comparison is the Avianca LifeMiles (40,000 miles after $3,000/3mo, $99 AF). The Bilt Obsidian is the right pick when you value premium benefits and credits over a no-fee structure.
Frequently Asked Questions
What's the current Bilt Obsidian sign-up bonus?
The current bonus is $200, with no minimum-spend requirement — confirm the qualifying activity on the issuer's page before applying, as offers change often.
What's the Bilt Obsidian annual fee?
The annual fee is $95.
How long does the Bilt Obsidian sign-up bonus take to post?
Once you complete the qualifying activity, the bonus typically posts within 1–2 statement cycles — roughly 6–8 weeks. Track the milestone in Stacks OS Spending so you don't miss the deadline.
Related Cards
Sources (1)
We last checked this against the bank's page on September 26, 2026.
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Fat Stacks Academy may earn a commission when you open an account through links on this page, at no additional cost to you. Commissions do not influence our reviews — we verify offer terms directly with each bank before publishing and do not accept paid placement in our rankings. Bonus offers, requirements, and fees are determined by each financial institution and may change at any time. Always verify the current terms directly with the bank before applying. This content is for informational purposes only and does not constitute financial advice.