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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Bank of America Premium Rewards

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Bank of America Premium Rewards from Bank of America at $95/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)Bank of America Premium Rewards
Annual fee$0$95
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)3x1x
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)
  • 2x travel + dining
  • $100 airline credit
  • Preferred Rewards boost
  • No foreign tx fees
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Bank of America Premium Rewards
$95/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: Bank of America Premium Rewards

Only a standout if you're a BoA Preferred Rewards member, that boost can push earnings to 2.625x on everything, 3.5x on travel and dining. Without it, Venture and Sapphire both beat it.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Bank of America Premium Rewards?
The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the Bank of America Premium Rewards doesn't advertise one right now.
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Bank of America Premium Rewards?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Bank of America Premium Rewards's $95 fee is justified by its perks. If you'll use enough of the Bank of America Premium Rewards's benefits to clear $95 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 Bank of America Premium Rewards?
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 Bank of America Premium Rewards first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Bank of America Premium Rewards: 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.