Bilt Mastercard®

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Score Needed: Good to Excellent

Bilt Mastercard®

At a glance

Welcome Offer

Limited Time Offer

New Offer

All time high

Rewards

2X points on travel

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

3X points on dining

2X points on travel

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

Points on other purchases

Intro APR

N/A

Balance Transfer Intro

N/A

Regular APR

See Rates & Fees

Annual Fee

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!

Application Tips

Get the best results with each application

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

No items found at this time

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.

Reward Terms

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Trip Delay Insurance

Trip delay protection

Get reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather, mechanical breakdown of the common carrier or air traffic control delays

Trip Cancellation Insurance

Trip cancellation and interruption reimbursement

Offers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your passenger fare is booked with your Bilt Mastercard®.

Credits

Lyft Credits

Take 3 rides in one calendar month, get a $5 Lyft credit with your Bilt Mastercard® through 3/31/24,

Extra Redemption Value

Double Points

DOUBLE POINTS ON THE 1st OF EACH MONTH - Earn 6X points on dining, 4X points on travel, and 2X points on other purchases (except rent).

Auto CDW Insurance

Auto Rental Collision Damage Waiver

Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt Mastercard.

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

No transfer partners found

Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

N/A

Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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Why We Like it

Looking for a credit card that truly rewards your lifestyle? Check out the Wells Fargo Bilt Mastercard®:

Earn Big on Rent: Pay rent and earn points effortlessly.
Flex Points: Redeem points for flights, hotels, fitness classes, concerts, and more.
No Annual Fee: Enjoy rewards without an annual fee.
Travel Perks: Experience fantastic travel benefits.
Dining Rewards: Earn extra points when dining out.
Build Credit: Improve or maintain your credit score.
Wide Acceptance: Use it almost anywhere, worry-free.

Switch to Wells Fargo Bilt Mastercard® and elevate your spending and saving!

Considerations

Considering the Wells Fargo Bilt Mastercard®? It’s a great choice for renters, but here are a few downsides:

Limited Appeal: If you don’t rent, many benefits are rental-focused.
Active Use Required: Must make five transactions each month to earn points.
No Introductory APR: No offer for big purchases.
Indirect Rent Payments: Rent payments must go through the Bilt Rewards program.
Complex Rewards: Reward structures and categories may be confusing if you prefer simplicity.

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?

No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.

What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?

You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.

I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?

For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.

Additional resources