First Electronic Bank
Bilt Obsidian Card
$95 a yearEverything this card owes you
1statement credits
$100at face value, a year
8protections included
4spend categories that earn extra
0 of those 1 credits pay nothing until they are activated.
Bilt Travel Hotel credit$100
What the number is made of
Your card carries $100 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
CreditJFMAMJJASONDWould you use it?
Bilt Travel Hotel credit$100face value$0you get backresets once a yearshared
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$95Charged in full, every year, whether you collect or not.
Your effective annual fee$95What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
3 protections included on this card
Travel & emergency assistanceCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.Carried by 342 of 581 cards in the catalogWhat you get in
Access and status
5 access and status perks on this card
Concierge serviceComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.Carried by 198 of 581 cards in the catalogBefore the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 0 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 1 credit values on this page reconcile to the published catalog total of $100. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
Put it against another card