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Bilt Mastercard (legacy, Wells Fargo) vs Capital One Spark Cash

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Capital One Spark Cash from Capital One at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Capital One Spark Cash is the stronger pick today, the sign-up bonus is meaningfully larger ($1,000 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Capital One Spark Cash first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Capital One Spark Cash
Annual fee$0$95
Sign-up bonusClosed to new applicants$1,000 cash bonus
Bonus value (est.)$0$1,000
Min spend to unlock bonus$0 in 0 mo$10,000 in 3 mo
IssuerBilt / Wells FargoCapital One
Card categorytravelbusiness
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
    Capital One Spark Cash
    $95/yr · $1,000 cash bonus

    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: Capital One Spark Cash

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Capital One Spark Cash?
    The Capital One Spark Cash has the bigger bonus, $1,000 cash bonus, worth roughly $1,000, 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 Capital One Spark Cash?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Capital One Spark Cash's $95 fee is justified by its perks. If you'll use enough of the Capital One Spark Cash'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 Capital One Spark Cash?
    Yes, since they're from different issuers (Bilt / Wells Fargo and Capital One) 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 Capital One Spark Cash first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Capital One Spark Cash: $10,000 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.