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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs IHG One Rewards Traveler

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the IHG One Rewards Traveler 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)IHG One Rewards Traveler
Annual fee$0$0
Sign-up bonusClosed to new applicants80,000 points
Bonus value (est.)$0$480
Min spend to unlock bonus$0 in 0 mo$2,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytravelhotel
Best earning category (Dining)3x3x
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)
  • 4th night free on awards
  • 17x at IHG
  • No annual fee
  • Silver status
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
IHG One Rewards Traveler
$0/yr · 80,000 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: IHG One Rewards Traveler

The 4th-night-free benefit alone makes this a standout, on a 4-night IHG stay, you're effectively getting 25% off. Stack with transfer bonuses from Chase UR for serious savings.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or IHG One Rewards Traveler?
The IHG One Rewards Traveler has the bigger bonus, 80,000 points, worth roughly $480, 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 IHG One Rewards Traveler?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the IHG One Rewards Traveler's $0 fee is justified by its perks. If you'll use enough of the IHG One Rewards Traveler'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 IHG One Rewards Traveler?
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 IHG One Rewards Traveler first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. IHG One Rewards Traveler: $2,000 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.