Bilt Mastercard

Wells Fargo Mastercard World Elite Pending

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13

Benefits

4

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: bilt-mastercard

Issuer: Wells Fargo

Card Name: Bilt Mastercard

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Jan 07, 2026 18:37

Last Scraped: Jan 23, 2026 04:40

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 4 Categories
PENDING
Category Rate Type Description Annual Cap Status
Dining 3x Points On eligible dining purchases No Cap
Travel 2x Points On eligible travel purchases No Cap
Rent 1x Points On rent payments without the transaction fees $100,000
Everywhere Else 1x Points On all other eligible purchases No Cap
Rewards Summary
PENDING

Reward Type: Bilt Rewards Points

Base Rate: 1x

Bonus Rate: 6x

Categories: 3x Rent (up to 50,000 points annually), 2x Travel, 1x Other. On the 1st of each month (Double Points Day): 6x Travel, 4x Dining, 2x Other (excluding rent).

Quarterly Rotating: No

Cap Amount: $50,000.00

Expiration Policy: Points do not expire as long as the account is active and in good standing.

Point Value: 0.02¢

Travel Portal Multiplier: 1.5x

Transfer Partners: American Airlines AAdvantage, United MileagePlus, Air Canada Aeroplan, British Airways Executive Club, Cathay Pacific Asia Miles, Emirates Skywards, Flying Blue (Air France/KLM), Hawaiian Airlines HawaiianMiles, Iberia Plus, Turkish Airlines Miles&Smiles, Virgin Atlantic Flying Club, Hyatt, IHG One Rewards.

Redemption Penalties: None directly from Bilt, but transfer partners may have their own fees.

Benefits & Protections (Detailed) 13 Total
PENDING
General 2
No Annual Fee
$0 annual fee.

The card does not charge an annual fee for card membership.

Mastercard World Elite Benefits
Varies by benefit.

Access to a suite of benefits provided by the Mastercard World Elite program. (Details are in the Guide to Benefits).

Purchase Protection 2
Purchase Protection
Up to $1,000 per claim and $50,000 per account.

Covers eligible new purchases against damage or theft for up to 90 days from the date of purchase.

Cell Phone Protection
Up to $800 per claim, two claims per 12-month period, with a $25 deductible per claim.

Provides coverage for damage or theft of your cell phone when you pay your monthly cell phone bill with the Bilt Mastercard.

Rewards 5
Earn Points on Rent
1x points on rent, up to 100,000 points each calendar year.

Earn 1x points on rent payments made at any Bilt Rewards Alliance property or through the Bilt Rent Account.

Earn Points on Travel
2x points on travel.

Earn 2x points on travel purchases when booked directly with an airline, hotel, car rental, or cruise line.

Earn Points on Dining
3x points on dining.

Earn 3x points on dining at restaurants, cafes, and bars.

Earn Points on Other Purchases
1x points on all other eligible purchases.

Earn 1x points on all other eligible purchases not covered by higher bonus categories.

Rent Day Double Points
6x on dining, 2x on other purchases on Rent Day.

On the 1st of each month (Rent Day), earn double points on all non-rent purchases. This means 6x points on dining and 2x points on other eligible purchases (travel remains 2x points).

Travel 1
No Foreign Transaction Fees
0% foreign transaction fees.

Avoids additional charges on purchases made outside the United States.

Travel Insurance 3
Trip Cancellation and Interruption Insurance
Up to $5,000 per trip.

Reimburses non-refundable passenger fares and change fees if your trip is canceled or interrupted for a covered reason.

Trip Delay Reimbursement
Up to $200 per day for a maximum of 3 days ($600 total).

Reimburses eligible expenses if common carrier travel is delayed for more than 6 hours or requires an overnight stay.

Auto Rental Collision Damage Waiver
Coverage for physical damage and theft of rental vehicle.

Provides coverage for physical damage and theft of an eligible rental vehicle when rented with the Bilt Mastercard and the rental company’s collision insurance is declined.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus
PENDING

$0

Cash Back

Requirement: Spend $0 in 0 days

Timing: As of January 2026, the Bilt Mastercard does not typically offer a standard public sign-up bonus. Its primary value proposition is earning points on rent and other categories without an annual fee. Any limited-time or targeted offers would have their own specific terms and approval timing.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $1.00
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 0 months

Intro BT APR: 0% for 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 850
Very Good
Supported
Application Process
Available
Not specified
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

Rules: Eligibility for the Bilt Mastercard requires a good to excellent credit score (typically 670+), sufficient income, and being at least 18 years of age with a valid SSN or ITIN. Applicants should not have recent bankruptcies. A key bonus rule is that an individual is eligible for only one sign-up bonus per Bilt Mastercard account every 15 months. Wells Fargo generally limits new card approvals to one every six months.

Max Cards Per Issuer: 5

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Wells Fargo accounts, rapid succession of applications, suspicious spending patterns, abuse of return policies, failure to pay on time, or opening and closing accounts too frequently (churning).

Cliff Effect Rules: Wells Fargo typically enforces an application velocity rule of no more than one new credit card approval every six months. Some data points also suggest a limit of two new Wells Fargo cards within a 24-month period. These rules apply across all Wells Fargo credit card products, not just the Bilt Mastercard.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 4.4 / 5.0

Top Positive:
Earning points on rent without transaction fees, excellent travel transfer partners, no annual fee, and valuable travel/dining benefits.

Top Negative:
Limited bonus categories beyond rent/dining/travel, occasional reports of customer service issues, and less appealing for those who don't utilize travel partners.

Approval Experience: 78.0 / 100

Recommended Alternatives
  • Chase Sapphire Preferred
  • Capital One Venture X
  • American Express Gold Card

Card Value Score: 90.0 / 100

Est. Annual Rewards: $900.00

Approval Probability: 85.0%

Version Control
PENDING

Version ID: v1.0