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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Costco Anywhere Visa Card by Citi

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Costco Anywhere Visa Card by Citi 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)Costco Anywhere Visa Card by Citi
Annual fee$0$0
Sign-up bonusClosed to new applicants
Bonus value (est.)$0-
Min spend to unlock bonus$0 in 0 mo-
IssuerBilt / Wells FargoCiti
Card categorytravelcashback
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)
    Read the full review
    Bilt Mastercard (legacy, Wells Fargo)
    $0/yr · Closed to new applicants
    Read the full review
    Costco Anywhere Visa Card by Citi
    $0/yr ·

    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: Costco Anywhere Visa Card by Citi

    Common questions

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