What credit score do I need for the Bilt Mastercard?

A good-to-excellent credit score is generally recommended.

How do I calculate rewards on the Bilt Mastercard?

Use WalletFlo's reward calculator at /tools/rewards-calc/bilt-mastercard-2 to model net value on your spending.

Bilt Mastercard Review — Rewards, Fees & Benefits (2026)

Flo Analysis

Computed from live catalog data — where this card ranks, wins, and needs a caveat.

Category standing — vs 1,096 cards in the catalog

Dining

Travel

Everything else

Where it wins:
No annual fee — every dollar of rewards and credits is net value.

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. On WalletFlo's typical spend profile, the OneCard engine estimates $496.50 in rewards plus $0.00 in credits and perks — $496.50 net per year before welcome bonuses.

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.

CategoryRate

Dining
3×
Travel
2×
Everything elseRent Payments
1×
Everything elseAll Purchases
1×

Credits & Benefits

Statement credits and perks we model in net-value calculations.

Credits

No statement credits listed for this card

Benefits

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. 14 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
Southwest Rapid Rewards1:1
Turkish Miles&Smiles1:1
United MileagePlus1:1
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.

Credits & perks vs fee

Annual fee−$0

Stated credits+$0

Perks (est.)+$0

Net after credits & perks$0

Verdict

Credits & perks offset the fee on paper

Only valuable if you'd use those credits anyway — rewards on spend can close any remaining gap.

Full Analysis Rewards Calculator

Flo 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.

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Side by Side Compare

Compare against another card with the same spend profile.

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Is the Annual Fee Worth it?

Confirm net value on a no-annual-fee card.

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Points & Miles → $ Converter

Convert points and miles to estimated cash value.

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Awards vs Cash Calculator

Compare redeeming points for travel vs cash back.

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Transfer Partner Calculator

Explore transfer partner conversions across programs.

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Rewards Calculator

Model this card on your spend — adjust categories and compare with others.

$497/yr

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Estimates for illustrative purposes. See methodology

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FAQ's

Issuers generally look for good-to-excellent credit; exact thresholds vary.
There's no annual fee — focus on whether the earn rates beat cards you already carry.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.