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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Bank of America Unlimited Cash Rewards Credit Card

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Bank of America Unlimited Cash Rewards Credit Card from Bank of America 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.

FeatureBilt Mastercard (legacy, Wells Fargo)Bank of America Unlimited Cash Rewards Credit Card
Annual fee$0$0
Sign-up bonusClosed to new applicants$200 cash rewards
Bonus value (est.)$0$200
Min spend to unlock bonus$0 in 0 mo$1,000 in 3 mo
IssuerBilt / Wells FargoBank of America
Card categorytravelcashback
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)
    Read the full review
    Bilt Mastercard (legacy, Wells Fargo)
    $0/yr · Closed to new applicants
    Read the full review
    Bank of America Unlimited Cash Rewards Credit Card
    $0/yr · $200 cash rewards

    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 Unlimited Cash Rewards Credit Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Bank of America Unlimited Cash Rewards Credit Card?
    The Bank of America Unlimited Cash Rewards Credit Card has the bigger bonus, $200 cash rewards, worth roughly $200, versus Closed to new applicants (~$0) on the Bilt Mastercard (legacy, Wells Fargo).
    Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Bank of America Unlimited Cash Rewards Credit Card?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Bank of America Unlimited Cash Rewards Credit Card's $0 fee is justified by its perks. If you'll use enough of the Bank of America Unlimited Cash Rewards Credit Card's benefits to clear $0 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 Unlimited Cash Rewards Credit 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 Bank of America Unlimited Cash Rewards Credit 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. Bank of America Unlimited Cash Rewards Credit Card: $1,000 in 3 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.