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Bilt Mastercard (legacy, Wells Fargo) vs US Bank Triple Cash Rewards Business

Both are well-respected travel cards. The Bilt Mastercard (legacy, Wells Fargo) comes from Bilt / Wells Fargo at $0/yr; the US Bank Triple Cash Rewards Business from U.S. Bank at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.

Bottom line

For most people the US Bank Triple Cash Rewards Business is the stronger pick today, the sign-up bonus is meaningfully larger ($750 more in estimated value) than the Bilt Mastercard (legacy, Wells Fargo)'s. Get the US Bank Triple Cash Rewards Business first; revisit the Bilt Mastercard (legacy, Wells Fargo) after you've earned that bonus.

FeatureBilt Mastercard (legacy, Wells Fargo)US Bank Triple Cash Rewards Business
Annual fee$0$0
Sign-up bonusClosed to new applicants$750 cash back
Bonus value (est.)$0$750
Min spend to unlock bonus$0 in 0 mo$6,000 in 6 mo
IssuerBilt / Wells FargoU.S. Bank
Card categorytravelbusiness
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
    US Bank Triple Cash Rewards Business
    $0/yr · $750 cash back

    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: US Bank Triple Cash Rewards Business

    Common questions

    Which card has the bigger sign-up bonus, Bilt Mastercard (legacy, Wells Fargo) or US Bank Triple Cash Rewards Business?
    The US Bank Triple Cash Rewards Business has the bigger bonus, $750 cash back, worth roughly $750, 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 US Bank Triple Cash Rewards Business?
    The Bilt Mastercard (legacy, Wells Fargo) has no annual fee, so the question is whether the US Bank Triple Cash Rewards Business's $0 fee is justified by its perks. If you'll use enough of the US Bank Triple Cash Rewards Business'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 US Bank Triple Cash Rewards Business?
    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 US Bank Triple Cash Rewards Business first?
    Get the one whose sign-up bonus you can hit comfortably without overspending. Bilt Mastercard (legacy, Wells Fargo): $0 spend in 0 months. US Bank Triple Cash Rewards Business: $6,000 in 6 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.