Bilt Obsidian Card $200 Annual Bilt Cash Benefit: How It Works and When It Resets (2026)
Quick answer: The Bilt Obsidian Card $200 Annual Bilt Cash Benefit is worth up to $200 a year. It runs on the calendar year and resets every January 1; whatever is unused on December 31 expires. No enrollment is required; eligible purchases are credited automatically.
At a glance
| Card | Bilt Obsidian Card · First Electronic Bank · annual fee $95 |
| Value per year | $200 |
| Cycle | Annual |
| Resets | January 1 (calendar year) |
| Enrollment | Not required |
| Type | Accumulates up to the cap |
The terms, as catalogued
$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.
How not to lose it
Add the Bilt Obsidian Card to MaxWorth and this credit appears with its annual cycle already set; you get a push before it expires, tap it when you use it, and the card's annual-fee ROI updates. No bank account is ever connected.
Frequently asked questions
When does the $200 Annual Bilt Cash Benefit reset?
It runs on the calendar year and resets every January 1; whatever is unused on December 31 expires.
Do I need to enroll?
No enrollment is required; eligible purchases are credited automatically.
Does unused credit roll over?
No. Like every annual credit, any unused amount expires when the cycle ends.
Other credits on the Bilt Obsidian Card
- $100 Bilt Travel Hotel Credit · $100/yr · Semi-annual
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; methodology. Spotted an outdated term? Tell us through the app.