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Bilt Mastercard (legacy, Wells Fargo) vs Southwest Rapid Rewards Priority

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the Southwest Rapid Rewards Priority from Chase at $229/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the Southwest Rapid Rewards Priority is the stronger pick today, the sign-up bonus is meaningfully larger ($840 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the Southwest Rapid Rewards Priority first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)Southwest Rapid Rewards Priority
Annual fee$0$229
Sign-up bonusClosed to new applicants90,000 points
Bonus value (est.)$0$840
Min spend to unlock bonus$0 in 0 mo$3,000 in 3 mo
IssuerBilt / Wells FargoChase
Card categorytravelairline
Best earning category (Dining)3x2x
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)
  • 7,500 anniversary points
  • $75 annual travel credit
  • 4 upgraded boardings/year
  • 4x on Southwest
Read the full review
Bilt Mastercard (legacy, Wells Fargo)
$0/yr · Closed to new applicants
Read the full review
Southwest Rapid Rewards Priority
$229/yr · 90,000 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: Southwest Rapid Rewards Priority

If Southwest is your airline, this is the card to have. The anniversary points and $75 travel credit help offset the annual fee, and the 4x earning on Southwest is class-leading among airline cards.

Common questions

Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or Southwest Rapid Rewards Priority?
The Southwest Rapid Rewards Priority has the bigger bonus, 90,000 points, worth roughly $840, 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 Southwest Rapid Rewards Priority?
The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the Southwest Rapid Rewards Priority's $229 fee is justified by its perks. If you'll use enough of the Southwest Rapid Rewards Priority's benefits to clear $229 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 Southwest Rapid Rewards Priority?
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 Southwest Rapid Rewards Priority first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. Southwest Rapid Rewards Priority: $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.