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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs Petal 2 Cash Back, No Fees Visa

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Petal 2 Cash Back, No Fees Visa from Petal 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)Petal 2 Cash Back, No Fees Visa
Annual fee$0$0
Sign-up bonusClosed to new applicantsNone
Bonus value (est.)$0$0
Min spend to unlock bonus$0 in 0 mo$0 in 0 mo
IssuerBilt / Wells FargoPetal
Card categorytravelcredit-builder
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
    Petal 2 Cash Back, No Fees Visa
    $0/yr · None

    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: Petal 2 Cash Back, No Fees Visa

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Petal 2 Cash Back, No Fees Visa?
    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 Petal 2 Cash Back, No Fees Visa?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Petal 2 Cash Back, No Fees Visa's $0 fee is justified by its perks. If you'll use enough of the Petal 2 Cash Back, No Fees Visa'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 Petal 2 Cash Back, No Fees Visa?
    Yes, since they're from different issuers (Bilt / Wells Fargo and Petal) 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 Petal 2 Cash Back, No Fees Visa first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Petal 2 Cash Back, No Fees Visa: $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.