Credit calendar

Bilt Obsidian Card credits

Every recurring credit on the Bilt Obsidian Card, with the cap, cycle and reset date that decide whether you actually capture it.

Card terms last verified against issuer pages on 2026-09-20.

The short answer

The Bilt Obsidian Card carries 2 recurring statement credits worth $300 a year. 1 reset on the calendar year and expire on 31 December; 1 reset on your account anniversary.

$300face value a year, against a $95 fee

1expire on 31 December

0capped monthly or quarterly, so they cannot be carried forward

Resets on the calendar year, expiring 31 December

Resets on your cardmember year

Credit

Windows in a year

Each

A year

$200 Annual Bilt Cash Benefit $200 in Bilt Cash is automatically credited to your Bilt account upon card approval. In subsequent years, the $200 Bilt Cash benefit is credited on January 1st of each calendar year. Bilt Cash balances over $100 expire at year-end. Bilt Cash can be redeemed for dollar-for-dollar value toward fitness classes, hotel bookings, Home Delivery orders, Lyft rides, and more through the Bilt app.

Once a year, resets on the calendar year

$200

$100 Bilt Travel Hotel Credit $100 annual Bilt Travel Hotel credit distributed as two $50 semi-annual credits. Apply toward eligible hotel bookings made through the Bilt Travel Portal. Bookings must be for a minimum 2-night stay to qualify for the credit.

Twice a year, resets on the cardmember year

$50

$100

Questions people ask

When do the Bilt Obsidian Card credits reset?

Both, depending on the credit. $200 Annual Bilt Cash Benefit reset on the calendar year and expire 31 December. $100 Bilt Travel Hotel Credit reset on your cardmember year, meaning your account anniversary.

Which Bilt Obsidian Card credits require enrolment?

None of the 2 credits we track on this card require enrolment.

How much are the Bilt Obsidian Card credits worth in total?

$300 a year at face value, against a $95 annual fee. That is the sum of the caps, not what a typical cardholder captures — and each is restricted to specific merchants.

Verified 2026-09-20. See the full Bilt Obsidian Card page, or every credit across every card.