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Bilt Mastercard®
Score Needed: Good to Excellent
Bilt Mastercard®
At a glance
Welcome Offer
Limited Time Offer
New Offer
All time high
Rewards

1X points on rent payments without the transaction fee, up to 100,000 points each calendar year.

2X points on travel.

3X points on dining.

1X points on other purchases

Intro APR
N/A
Balance Transfer Intro
N/A
Regular APR
See Rates & Fees
Annual Fee
0
Bilt Mastercard®

Unlock the power of every purchase with the Wells Fargo Bilt Mastercard®. Rack up points on rent payments without fees, and earn on everyday spending. Dive into travel perks, dining rewards, and no annual fee. Plus, enjoy exclusive access to events and a versatile points transfer program. Make your spending work harder for you!

Thinking About 2 Cards? You might not qualify for a 2nd Wells Fargo credit card if you have opened a Wells Fargo card in the last 6 months

Reconsideration up to 60 days. Usually, Wells Fargo Bank will only do a hard credit pull if there has been a change in a negative mark on your report.

Limit Increase
Credit Inquires
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Experian or Equifax - In some states they pull both Experian and Equifax.
Application Inquires Some data points suggest that credit inquiries for same-day applications will be combined, but some data points suggest that credit inquiries for same-day applications will not be combined
Welcome Offer Eligibility:
Downgrade Options
Getting your card
Rescore your report: Wells Fargo does not offer off-cycle reporting.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits
Card holder benefits
As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.
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Rewards redemption
Redeem your spending bonus
How to Redeem your valuable credits
Cash Redemption
Travel Redemption
Transfer your Wells Fargo Bilt Rewards to any of the following Wells Fargo Travel Partners.
Points Transfer Partners
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Aeroplan Loyalty Program
Airlines
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Air France-KLM Flying Blue
Airlines
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Alaska Airlines
Airlines
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Asia Miles
Airlines
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Avianca LifeMiles
Airlines
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Avios
Airlines
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Emirates Skywards
Airlines
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HawaiianMiles
Airlines
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Hilton Honors
Hotels
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IHG One Rewards
Hotels
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Marriott Bonvoy
Hotels
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Turkish Airlines Miles&Smiles
Airlines
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United MileagePlus
Airlines
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Virgin Atlantic FlyingClub
Airlines
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World of Hyatt Loyalty Program
Hotels
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Balance transfer Intro Offer
N/A
Balance transfer Fee
Balance transfer Terms
Foreign Transactions
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Upgrade Your Wallet!
Bilt Mastercard® Click learn more to see if you qualify

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Additional resources
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