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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Mastercard Black Card

Both are travel travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/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)Mastercard Black Card
Annual fee$0$699
Sign-up bonusClosed to new applicantsNo public welcome offer
Bonus value (est.)$0$0
Min spend to unlock bonus$0 in 0 mo$0 in 0 mo
IssuerBilt / Wells FargoBarclays (Luxury Card)
Card categorytraveltravel
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)
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer

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: Mastercard Black Card

The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Mastercard Black Card?
The two cards offer comparable sign-up bonuses around $0. Pick based on which earning categories you actually use.
Is the Bilt Mastercard (legacy, Wells Fargo)'s $0 annual fee worth it compared to the Mastercard Black Card?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Mastercard Black Card's $699 fee is justified by its perks. If you'll use enough of the Mastercard Black Card's benefits to clear $699 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 Mastercard Black Card?
Yes, since they're from different issuers (Bilt / Wells Fargo and Barclays (Luxury Card)) 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 Mastercard Black 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. Mastercard Black Card: $0 in 0 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.