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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Atmos Rewards Summit Visa Infinite Card

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Atmos Rewards Summit Visa Infinite Card from Bank of America at $395/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.

FeatureBilt Mastercard (legacy, Wells Fargo)Atmos Rewards Summit Visa Infinite Card
Annual fee$0$395
Sign-up bonusClosed to new applicantsNot advertised
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo-
IssuerBilt / Wells FargoBank of America
Card categorytraveltravel
Best earning category (Dining)3x3x
Transfer partnersbiltNone
Headline benefits
  • Closed to new applicants (Wells Fargo)
  • Existing cards being migrated
  • Apply for Bilt 2.0 (Cardless) instead
  • 100k pt/yr rent cap (legacy)
    Read the full review
    Bilt Mastercard (legacy, Wells Fargo)
    $0/yr · Closed to new applicants
    Read the full review
    Atmos Rewards Summit Visa Infinite Card
    $395/yr ·

    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.

    Editorial take: Atmos Rewards Summit Visa Infinite Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Atmos Rewards Summit Visa Infinite Card?
    The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the Atmos Rewards Summit Visa Infinite Card doesn't advertise one right now.
    Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Atmos Rewards Summit Visa Infinite Card?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Atmos Rewards Summit Visa Infinite Card's $395 fee is justified by its perks. If you'll use enough of the Atmos Rewards Summit Visa Infinite Card's benefits to clear $395 in value annually, it's worth it; otherwise stick with the Bilt Mastercard (legacy, Wells Fargo).
    Can I have both the Bilt Mastercard (legacy, Wells Fargo) and Atmos Rewards Summit Visa Infinite Card?
    Yes, since they're from different issuers (Bilt / Wells Fargo and Bank of America) 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 Bilt Mastercard (legacy, Wells Fargo) or the Atmos Rewards Summit Visa Infinite Card first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Atmos Rewards Summit Visa Infinite Card: no published min spend. 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.