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Side-by-side

Bilt Mastercard (legacy, Wells Fargo) vs U.S. Bank Shopper Cash Rewards Visa Signature Card

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the U.S. Bank Shopper Cash Rewards Visa Signature Card from U.S. Bank at $95/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)U.S. Bank Shopper Cash Rewards Visa Signature Card
Annual fee$0$95
Sign-up bonusClosed to new applicants$250 cash back bonus
Bonus value (est.)$0$250
Min spend to unlock bonus$0 in 0 mo$2,000 in 4 mo
IssuerBilt / Wells FargoU.S. Bank
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)
    Read the full review
    Bilt Mastercard (legacy, Wells Fargo)
    $0/yr · Closed to new applicants
    Read the full review
    U.S. Bank Shopper Cash Rewards Visa Signature Card
    $95/yr · $250 cash back bonus

    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: U.S. Bank Shopper Cash Rewards Visa Signature Card

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or U.S. Bank Shopper Cash Rewards Visa Signature Card?
    The U.S. Bank Shopper Cash Rewards Visa Signature Card has the bigger bonus, $250 cash back bonus, worth roughly $250, 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 U.S. Bank Shopper Cash Rewards Visa Signature Card?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the U.S. Bank Shopper Cash Rewards Visa Signature Card's $95 fee is justified by its perks. If you'll use enough of the U.S. Bank Shopper Cash Rewards Visa Signature Card's benefits to clear $95 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 U.S. Bank Shopper Cash Rewards Visa Signature Card?
    Yes, since they're from different issuers (Bilt / Wells Fargo and U.S. Bank) 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 U.S. Bank Shopper Cash Rewards Visa Signature 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. U.S. Bank Shopper Cash Rewards Visa Signature Card: $2,000 in 4 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.