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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Chase Aeroplan Credit Card

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Chase Aeroplan Credit Card from Chase 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 Chase Aeroplan Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,125 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Chase Aeroplan Credit Card first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Chase Aeroplan Credit Card
Annual fee$0$95
Sign-up bonusClosed to new applicants75,000 bonus points
Bonus value (est.)$0$1,125
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytraveltravel
Best earning category (Dining)3x3x
Transfer partnersbiltaeroplan
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)
  • 3x on Air Canada + dining + grocery
  • Free checked bag
  • Companion pass
  • UR transfer
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Chase Aeroplan Credit Card
$95/yr · 75,000 bonus points

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: Chase Aeroplan Credit Card

Aeroplan is one of the best Star Alliance programs for sweet-spot redemptions. This card is a great way to earn Aeroplan miles directly, plus the UR transfer option gives flexibility.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Chase Aeroplan Credit Card?
The Chase Aeroplan Credit Card has the bigger bonus, 75,000 bonus points, worth roughly $1,125, 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 Chase Aeroplan Credit Card?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Chase Aeroplan Credit Card's $95 fee is justified by its perks. If you'll use enough of the Chase Aeroplan Credit Card'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 Chase Aeroplan Credit Card?
Yes, since they're from different issuers (Bilt / Wells Fargo and Chase) 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 Chase Aeroplan 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. Chase Aeroplan Credit Card: $4,000 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.