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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Southwest Rapid Rewards Plus

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Southwest Rapid Rewards Plus from Chase at $99/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)Southwest Rapid Rewards Plus
Annual fee$0$99
Sign-up bonusClosed to new applicants50,000 bonus points
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo$1,000 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)
  • $99 fee (post-2025 refresh)
  • 3k anniversary points
  • Free first checked bag
  • Companion Pass qualifying
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Southwest Rapid Rewards Plus
$99/yr · 50,000 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: Southwest Rapid Rewards Plus

The entry-level Southwest card after the 2025 refresh raised the fee to $99. Worth it primarily if you're chasing the Companion Pass; the Priority card delivers more value if you fly Southwest 2+ times per year.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Southwest Rapid Rewards Plus?
The Bilt Mastercard (legacy, Wells Fargo) has a public bonus (Closed to new applicants, worth roughly $0), while the Southwest Rapid Rewards Plus doesn't advertise one right now.
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Southwest Rapid Rewards Plus?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Southwest Rapid Rewards Plus's $99 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Plus's benefits to clear $99 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 Southwest Rapid Rewards Plus?
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 Southwest Rapid Rewards Plus first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Southwest Rapid Rewards Plus: $1,000 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.