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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs British Airways Visa Signature

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the British Airways Visa Signature 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 British Airways Visa Signature is the stronger pick today, the sign-up bonus is meaningfully larger ($1,050 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the British Airways Visa Signature first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)British Airways Visa Signature
Annual fee$0$95
Sign-up bonusClosed to new applicants75,000 Bonus Avios
Bonus value (est.)$0$1,050
Min spend to unlock bonus$0 in 0 mo$5,000 in 3 mo
IssuerBilt / Wells FargoChase
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)
  • 75k Avios bonus
  • Travel Together ticket at $30k
  • No foreign tx fees
  • Great for short-haul AA
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
British Airways Visa Signature
$95/yr · 75,000 Bonus Avios

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: British Airways Visa Signature

Avios shine on short-haul AA flights (7,500 miles each way under 1,150 miles). The Travel Together ticket is amazing but requires $30k spend per year, only worth it if you already hit that.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or British Airways Visa Signature?
The British Airways Visa Signature has the bigger bonus, 75,000 Bonus Avios, worth roughly $1,050, 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 British Airways Visa Signature?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the British Airways Visa Signature's $95 fee is justified by its perks. If you'll use enough of the British Airways Visa Signature'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 British Airways Visa Signature?
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 British Airways Visa Signature first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. British Airways Visa Signature: $5,000 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.