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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Citi Double Cash

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Citi Double Cash from Citi 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)Citi Double Cash
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$1,500 in 6 mo
IssuerBilt / Wells FargoCiti
Card categorytravelcashback
Best earning category (Dining)3x1x
Transfer partnersbiltciti-ty
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)
  • 2% everywhere
  • No annual fee
  • Pairs with TY Premier
  • Simple earning
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Citi Double Cash
$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: Citi Double Cash

The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Citi Double Cash?
The Citi Double Cash 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 Citi Double Cash?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Citi Double Cash's $0 fee is justified by its perks. If you'll use enough of the Citi Double Cash'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 Citi Double Cash?
Yes, since they're from different issuers (Bilt / Wells Fargo and Citi) 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 Citi Double Cash first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Citi Double Cash: $1,500 in 6 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.