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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Discover it Cash Back

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Discover it Cash Back from Discover 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)Discover it Cash Back
Annual fee$0$0
Sign-up bonusClosed to new applicantsCashback Match (first year, unlimited)
Bonus value (est.)$0$200
Min spend to unlock bonus$0 in 0 mo$0 in 12 mo
IssuerBilt / Wells FargoDiscover
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)
  • 5% rotating categories
  • First-year match
  • No annual fee
  • No foreign tx fees
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)

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: Discover it Cash Back

The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Discover it Cash Back?
The Discover it Cash Back has the bigger bonus, Cashback Match (first year, unlimited), 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 Discover it Cash Back?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Discover it Cash Back's $0 fee is justified by its perks. If you'll use enough of the Discover it Cash Back'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 Discover it Cash Back?
Yes, since they're from different issuers (Bilt / Wells Fargo and Discover) 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 Discover it Cash Back first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Discover it Cash Back: $0 in 12 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.