Bilt Mastercard
Basic Information
Program ID: bilt-mastercard
Issuer: Wells Fargo
Card Type: Credit
Network: Mastercard
Card Tier: World Elite
Data Complete: Yes
Created: 01/07/2026 18:37
Last Scraped: 01/15/2026 08:17
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $0.00
Spending Requirement: $0.00
Time Period: 0 days
Bonus Timing: As of January 2026, the Bilt Mastercard does not publicly advertise a traditional sign-up bonus (e.g., 'spend X, get Y points') on the Wells Fargo application page. Its primary welcome benefits are its unique earning structure, including 1x points on rent (up to 100,000 annually), 2x on travel, 3x on dining, and Rent Day bonuses (double points on the 1st of the month).
Rewards Program
Reward Type: Bilt Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 3x Dining, 2x Travel (flights, hotels, car rentals), 1x Rent (up to 100,000 points per calendar year). On Rent Day (1st of month): 2x on all spend (up to 10,000 bonus points per month), effectively 6x Dining, 4x Travel, 2x Rent, 2x Other.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points do not expire as long as the account is active and in good standing.
Transfer Partners: American Airlines, United Airlines, Alaska Airlines, Air Canada Aeroplan, British Airways Executive Club, Cathay Pacific Asia Miles, Emirates Skywards, Hawaiian Airlines HawaiianMiles, Iberia Plus, KLM/Air France Flying Blue, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, World of Hyatt.
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
Travel Benefits
- Travel Insurance
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian
Issuer Rules
Rules: The Bilt Mastercard from Wells Fargo has specific eligibility and bonus rules. Applicants must be 18 years or older (19 in AL/NE), a U.S. resident, possess a valid SSN or ITIN, and have good to excellent credit (typically FICO 670+). Sufficient income to support the credit limit is required. Wells Fargo is sensitive to recent credit inquiries and new accounts, generally preferring applicants to not have opened too many new accounts recently. A key bonus rule for the Bilt Mastercard is that a cardholder is eligible for one sign-up bonus per card every 15 months. This means if you've received a bonus on this specific Bilt Mastercard within the last 15 months, you will not be eligible for another.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), rapid application for multiple Wells Fargo credit products, high cumulative credit limit across all Wells Fargo accounts relative to income, unusual spending patterns inconsistent with declared income or typical card use, defaulting on other Wells Fargo products, abuse of rewards programs, or negative banking history with Wells Fargo.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.5 / 5.0
Top Positive Feedback:
Excellent for earning points on rent payments without fees, strong travel transfer partners, good dining rewards, and no annual fee. Offers unique benefits like Rent Day promotions.
Top Negative Feedback:
Requires 5 transactions per statement to earn points, limited bonus categories outside rent/dining/travel, and some users report issues with Wells Fargo's customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Capital One SavorOne Cash Rewards Credit Card
- Citi Custom Cash Card
Card Value Score: 90.0 / 100
Est. Annual Rewards: $792.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0