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Bilt Mastercard (legacy, Wells Fargo) vs IHG One Rewards Premier

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the IHG One Rewards Premier from Chase at $99/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the IHG One Rewards Premier is the stronger pick today, the sign-up bonus is meaningfully larger ($925 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the IHG One Rewards Premier first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)IHG One Rewards Premier
Annual fee$0$99
Sign-up bonusClosed to new applicants185,000 bonus points
Bonus value (est.)$0$925
Min spend to unlock bonus$0 in 0 mo$3,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytravelhotel
Best earning category (Dining)3x5x
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)
  • Free night award annually
  • Platinum Elite status
  • 4th night free on awards
  • 10x at IHG properties
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
IHG One Rewards Premier
$99/yr · 185,000 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: IHG One Rewards Premier

A solid hotel card if you stay at IHG properties regularly. The free night award and 4th night free on award stays can easily offset the $99 annual fee.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or IHG One Rewards Premier?
The IHG One Rewards Premier has the bigger bonus, 185,000 bonus points, worth roughly $925, 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 IHG One Rewards Premier?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the IHG One Rewards Premier's $99 fee is justified by its perks. If you'll use enough of the IHG One Rewards Premier'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 IHG One Rewards Premier?
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 IHG One Rewards Premier first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. IHG One Rewards Premier: $3,000 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.