Bilt Mastercard
Wells Fargo (Bilt) · Reward Points · Reward Points
This comprehensive guide covers the Bilt Mastercard's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Bilt Mastercard from Wells Fargo (Bilt) offers reward points rewards redeemable as reward points. Top earning categories include 1x on rent payments and more. This card has no annual fee.
Best for: Rent, Travel, Dining, General Online
Official product page → Official rules →
Annual fee: $0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 1 pts/$100 1x on rent payments
- 2 pts/$100 2x on travel
- 3 pts/$100 3x on dining (1st of the month: 6x)
- 1 pts/$100 1x everywhere else (1st of the month: 2x)
Important Notes
- Rent payments require using the Bilt Rent Account and ACH routing — not a standard card transaction.
- 1st-of-month double points (Rent Day) in base rates.
- Minimum 5 transactions per statement cycle required to earn points.
- Transfer partners include Hyatt, American Airlines, United, and others — highest value among no-fee cards.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Maximize Your Rewards
To earn the highest rewards, use the Bilt Mastercard for its bonus categories: Rent, Travel, Dining, General Online, Electronics Accessories.