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BECU Cash Back Credit Card vs Bilt Mastercard (legacy, Wells Fargo)
Both are well-respected travel cards. The BECU Cash Back Credit Card comes from BECU 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 | BECU Cash Back Credit Card | Bilt Mastercard (legacy, Wells Fargo) |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | $200 cash back after $2,000 spend in 3 months | Closed to new applicants |
| Bonus value (est.) | $200 | $0 |
| Min spend to unlock bonus | $2,000 in 3 mo | $0 in 0 mo |
| Issuer | BECU | Bilt / Wells Fargo |
| Card category | cashback | travel |
| Best earning category (All_purchases) | 1.5x | 1x |
| Transfer partners | None | bilt |
| Headline benefits |
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Read the full review
BECU Cash Back Credit Card
$0/yr · $200 cash back after $2,000 spend in 3 months
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, BECU Cash Back Credit Card or Bilt Mastercard (legacy, Wells Fargo)?
- The BECU Cash Back Credit Card has the bigger bonus, $200 cash back after $2,000 spend in 3 months, worth roughly $200, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
- Is the BECU Cash Back Credit Card's $0 annual fee worth it compared to the Bilt Mastercard (legacy, Wells Fargo)?
- The BECU Cash Back Credit 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 BECU Cash Back Credit Card.
- Can I have both the BECU Cash Back Credit Card and Bilt Mastercard (legacy, Wells Fargo)?
- Yes, since they're from different issuers (BECU 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 BECU Cash Back Credit Card or the Bilt Mastercard (legacy, Wells Fargo) first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Cash Back Credit Card: $2,000 spend in 3 months. 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.