All credit cards
Side-by-side
Apple Card vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The Apple Card comes from Goldman Sachs at $0/yr; the Bilt Mastercard (legacy, Wells Fargo) from Bilt / Wells Fargo at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Apple Card | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | Closed to new applicants | |
| Bonus value (est.) | - | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Goldman Sachs | Bilt / Wells Fargo |
| Card category | cashback | travel |
| Transfer partners | None | bilt |
| Headline benefits |
|
Read the full review
Apple Card
$0/yr ·
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Editorial take: Bilt Mastercard (legacy, Wells Fargo)
Closed to new applicants. Bilt launched its 2.0 portfolio (Blue / Obsidian / Palladium) on February 7, 2026 with Cardless as the new issuer. Existing Wells Fargo Bilt Mastercard holders are being migrated; new applicants should apply for one of the Bilt 2.0 tiers via biltrewards.com.
Common questions
- Which card has the bigger sign-up bonus, Apple Card or Bilt Mastercard (legacy, Wells Fargo)?
- The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the Apple Card doesn't advertise one right now.
- Is the Apple Card's $0 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- The Apple Card has no annual fee, so the question is whether the Bilt Mastercard (legacy, Wells Fargo)'s $0 fee is justified by its perks. If you'll use enough of the Bilt Mastercard (legacy, Wells Fargo)'s benefits to clear $0 in value annually, it's worth it; otherwise stick with the Apple Card.
- Can I have both the Apple Card and Bilt Mastercard (legacy, Wells Fargo)?
- Yes, since they're from different issuers (Goldman Sachs and Bilt / Wells Fargo) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Apple Card or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Apple Card: no published min spend. Bilt Mastercard (legacy, Wells Fargo): $0 in 0 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.