Bilt Mastercard (legacy, Wells Fargo)
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This Wells Fargo-issued card is no longer available to new applicants. Bilt 2.0 launched February 7, 2026 with Cardless as the issuer; apply at biltrewards.com.
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.
Earning Rates
At a glance
- Closed to new applicants (Wells Fargo)
- Existing cards being migrated
- Apply for Bilt 2.0 (Cardless) instead
- 100k pt/yr rent cap (legacy)
Earning rates
4- 1x
Earn 1 point per dollar on rent payments through the Bilt platform, capped at 100,000 points per calendar year on rent transactions (no transaction fee charged by Bilt; the rent feature is the headline differentiator of the product)
- 3xdining
Earn 3x points on dining purchases (uncapped under the legacy product structure)
- 2xlodging
Earn 2x points on travel purchases (including flights, hotels, rental cars and rideshare booked directly with the operator)
- 1xeverything else
Earn 1x points on all other eligible non-rent purchases
Perks & memberships
1- Card networkClosed to new applicants in connection with the Bilt 2.0 launch (Bilt's refreshed card lineup now consists of the Bilt Blue, Silver, and Obsidian cards; existing legacy Bilt Mastercard holders retain their benefits per the OMAAT Bilt review)
More benefits & fine print (1)ShowHide
- Pay rent by credit card even at landlords that do not normally accept cards: Bilt processes the rent transaction and either pushes ACH or mails a check to the landlord on the cardholder's behalf
Transfer Partners
Full guide →Bilt Rewards points transfer to these loyalty programs:
Ready to Apply?
Earn Closed to new applicants
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