Details Leaked for New Bilt Blue, Obsidian and Palladium Cards

Details Leaked for New Bilt Blue, Obsidian and Palladium Cards

Details of the new Bilt cards have been leaked, although the official announcement is scheduled for January 14. The card names are Blue, Obsidian, and Palladium. The design for the Obsidian card has also leaked. The information was posted on reddit but has been taken down. Applicants for the Obsidian and Palladium card have the opportunity to receive a “Limited edition mirror card design”.

The Bilt and Obsidian cards only have $100 Bilt Cash and $200 Bilt Cash as a bonus upon approval, while the Palladium card has 50,000 Bilt Points and $300 Bilt Cash. With all three cards you can use Bilt Cash to waive rent and mortgage transaction fees. Besides the sign up bonus, you can earn 4% Bilt Cash on everyday spend. I would assume that $1 Bilt Cash will cover $1 in rent and mortgage transaction fees. That seems a bit confusing, but from some quick calculations it doesn’t look good.

Update: There are also two other sets of cards Bilt Home, Bilt Everyday and Bilt Neighborhood, as well as Bilt Home, Bilt Titanium and Bilt Platinum. Details on those cards are a bit different. See comments.

About Bilt Cash

Bilt Cash is a flexible new reward currency you’ll earn in addition to Bilt Points. Unlike points, Bilt Cash gives you value when redeemed and access to exclusive features, experiences, and benefits in the Bilt ecosystem.

Starting in 2026, you’ll earn $50 of Bilt Cash for every 25,000 Bilt Points you earn toward your status across the Bilt ecosystem. You can also earn Bilt Cash by using the new Bilt credit cards.

You’ll be able to redeem your Bilt Cash in the Bilt App toward:

• Hotel bookings: apply Bilt Cash toward hotel bookings made in the Bilt Travel Portal.
• Lyft credits: redeem for Lyft credits and get where you’re going for less. 
• Fitness Classes: use Bilt Cash toward bookings in the Bilt App and save on your favorite workouts.
• Dining: use Bilt Cash to pay your tab when you use Mobile Dining Checkout at select Bilt partner restaurants.
• Home Delivery: save on everyday essentials ordered through Home Delivery, powered by Gopuff.
• The Bilt Collection: redeem Bilt Cash for select items and limited drops from the Bilt Collection.

You can also redeem your Bilt Cash to unlock exclusive access across the Bilt ecosystem, like:

• Elevated status for transfer bonuses: redeem Bilt Cash to boost your status tier and access a higher transfer bonus during Rent Day.
• Home Away From Home collection: redeem Bilt Cash to gain access to Bilt’s luxury hotel collection and exclusive benefits during your stay.
• Exclusive Bilt experiences: redeem Bilt Cash to book exclusive experiences like dining reservations, fitness classes, and more.
• Waive rent and mortgage transaction fees

Bilt Cash earned during 2026 will expire at the end of the year, except that up to $100 of Bilt Cash will roll over to the following year. 

Guru’s Wrap-up

From some quick math, this doesn’t look good. First, only the $495 Bilt Palladium Card comes with a bonus of Bilt Points while the other two cards only get Bilt Cash. That cash has value as you can use it to waive rent and mortgage transaction fees. But going forward you will have to put spend on the cards to earn 4% Bilt Cash in order to waive fees.

Bilt has also introduced goPuff as a redemption option, but you only get a value of 0.7 cents per point which is not great.

Let me know what you think!