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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs United Quest Card

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the United Quest Card from Chase at $350/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the United Quest Card is the stronger pick today, the sign-up bonus is meaningfully larger ($950 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the United Quest Card first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)United Quest Card
Annual fee$0$350
Sign-up bonusClosed to new applicants70,000 miles + 500 PQP
Bonus value (est.)$0$950
Min spend to unlock bonus$0 in 0 mo$4,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytraveltravel
Best earning category (Dining)3x2x
Transfer partnersbiltmileageplus
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)
  • 3x on United
  • $125 United credit
  • 2 free bags
  • Award rebates
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
United Quest Card
$350/yr · 70,000 miles + 500 PQP

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: United Quest Card

If you fly United 3+ times a year, the $125 travel credit, two free bags, and 10k miles of rebates on award flights ($100+ in direct value) make this card pay for itself.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or United Quest Card?
The United Quest Card has the bigger bonus, 70,000 miles + 500 PQP, worth roughly $950, 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 United Quest Card?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the United Quest Card's $350 fee is justified by its perks. If you'll use enough of the United Quest Card's benefits to clear $350 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 United Quest Card?
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 United Quest Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. United Quest Card: $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.