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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Marriott Bonvoy Bountiful

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Marriott Bonvoy Bountiful from Chase at $250/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)Marriott Bonvoy Bountiful
Annual fee$0$250
Sign-up bonusClosed to new applicants85,000 Bonus Points
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytravelhotel
Best earning category (Dining)3x4x
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)
  • 50k free night cert
  • Gold status
  • 6x at Marriott
  • Platinum at $60k spend
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Marriott Bonvoy Bountiful
$250/yr · 85,000 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: Marriott Bonvoy Bountiful

Mid-tier Marriott card. The 50k free night cert can pay for the fee on a single stay at a Cat 5 property, but Hyatt is a more valuable program for most people, consider that card first.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Marriott Bonvoy Bountiful?
The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the Marriott Bonvoy Bountiful doesn't advertise one right now.
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Marriott Bonvoy Bountiful?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Marriott Bonvoy Bountiful's $250 fee is justified by its perks. If you'll use enough of the Marriott Bonvoy Bountiful's benefits to clear $250 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 Marriott Bonvoy Bountiful?
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 Marriott Bonvoy Bountiful first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Marriott Bonvoy Bountiful: $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.