LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Wells Fargo Bilt Mastercard Review

Wells FargoMastercardTravelNo annual fee

Wells Fargo Bilt Mastercard earned 4.6 / 5 in our 2026 review. The Wells Fargo Bilt Mastercard earns 3x on dining with no annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-04-29
Wells Fargo
Bilt Mastercard
Apply at Wells Fargo Compare all cards
TL;DR
Annual fee
$0
Signup bonus
None
Top reward rate
3x on dining
Intro APR
None
Issuer
Wells Fargo
Network
Mastercard
Min credit score
670
Fintiex rating
4.6 / 5
Pros
  • +Earn points on rent payments with no processing fee (up to 100,000 points per year)
  • +3x points on dining, 2x on travel, 1x on other purchases
  • +Points transfer to 15+ airline and hotel partners at 1:1 (United, American, Hyatt, Marriott, and more)
  • +No annual fee
  • +No foreign transaction fees
  • +Rent Day bonus: double points on all non-rent purchases on the 1st of the month
  • +Trip cancellation and interruption insurance
  • +Purchase protection and cell phone protection
Cons
  • -No signup bonus
  • -Must make at least 5 transactions per statement period to earn rent points
  • -Rent payment must go through Bilt's payment system
  • -Not all landlords are in the Bilt Alliance (direct payment option has limitations)

Rewards detail

dining
3x
travel
2x
rent
1x
everything else
1x

Fintiex values Wells Fargo points at about 1.50 cents each, based on current transfer-partner redemption rates. Your real value will depend on how you redeem.

Rates and fees

Annual fee
$0
Purchase APR
21.24% to 29.24%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
21.24% to 29.24%
Cash advance APR
29.99%
Balance transfer fee
3%
Or $5 minimum, whichever is greater
Foreign transaction fee
None
Who it's for

The Bilt Mastercard is built for people who want a travel or no annual fee card. Most approvals land at FICO 670 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best travel cards roundup.

Compare with similar cards

Chase
Sapphire Preferred Card
5x on travel via Chase
$95 fee→
Chase
Sapphire Reserve
10x on chase travel portal
$550 fee→
American Express
Platinum Card
5x on flights amex travel
$695 fee→
Capital One
Venture X Rewards Credit Card
10x on hotels capital one travel
$395 fee→

Frequently asked questions

Does the Bilt Mastercard have a foreign transaction fee?
No. The Wells Fargo Bilt Mastercard charges no foreign transaction fees, so it works well for travel abroad. You pay the same network exchange rate you would get at home.
What credit score do I need for the Bilt Mastercard?
Approvals typically start around a FICO score of 670, but Wells Fargo prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Bilt Mastercard have a welcome offer?
No. The Wells Fargo Bilt Mastercard does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Bilt Mastercard have a 0% intro APR offer?
No. The Wells Fargo Bilt Mastercard does not currently offer a 0% intro APR period. The standard variable purchase APR is 21.24% to 29.24%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Bilt Mastercard?
$0. The Wells Fargo Bilt Mastercard has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Bilt Mastercard worth it?
Fintiex rates the Wells Fargo Bilt Mastercard 4.6 out of 5 for 2026. It is best for travel and no annual fee. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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