Wells Fargo
Bilt Mastercard
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Card review
Bilt Mastercard
Wells Fargo
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
See issuer
Est. net value
Run calculator
Credit score
Varies
Top earn rate
3x dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Bilt Mastercard from Wells Fargo carries no annual fee. Use the calculators below to model rewards, credits, and net value on your own spending.
How the points work
1X on rent payments without a transaction fee up to 50,000 points each calendar year.
*Earn points when you make 5 transactions that post each statement period.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 3× |
| TravelTravel | 2× |
| Everything elseRent Payments | 1× |
| Everything elseAll Purchases | 1× |
Credits & benefits
Statement credits and perks we model in net-value calculations.
Benefits & perks
- Bilt Status
Perks based on how many Bilt points you earn each year. Blue: Starting Tier Silver: 25,000 points per year Gold: 50,000 points per year Platinum: 100,000 points per year
Transfer partners
Where this card's points can go, and at what ratio. 12 partners.
- Air Canada Aeroplan1:1
- Air France KLM Flying Blue1:1
- American AAdvantage1:1
- Avianca LifeMiles1:1
- British Airways Avios1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- World of Hyatt1:1
- IHG One Rewards1:1
- Marriott Bonvoy1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
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Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert points and miles to estimated cash value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Explore transfer partner conversions across programs.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.