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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Chase Freedom Flex

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Chase Freedom Flex from Chase 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)Chase Freedom Flex
Annual fee$0$0
Sign-up bonusClosed to new applicants$200 cash back
Bonus value (est.)$0$200
Min spend to unlock bonus$0 in 0 mo$500 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytravelcashback
Best earning category (Dining)3x3x
Transfer partnersbiltchase-ur
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)
  • 5% rotating categories
  • 3% dining + drugstores
  • No annual fee
  • Cell phone protection
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Chase Freedom Flex
$0/yr · $200 cash back

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 Freedom Flex

Worth it only if you'll actually activate the rotating 5% categories every quarter. If you won't, the Freedom Unlimited earns more on everyday spend with zero effort.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Chase Freedom Flex?
The Chase Freedom Flex has the bigger bonus, $200 cash back, 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 Chase Freedom Flex?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Chase Freedom Flex's $0 fee is justified by its perks. If you'll use enough of the Chase Freedom Flex'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 Chase Freedom Flex?
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 Freedom Flex 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 Freedom Flex: $500 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.