Wells Fargo · Mastercard
Bilt Mastercard (Wells Fargo, retired)
Historical reference — the Wells Fargo-issued Bilt card, retired in February 2026
The issuer discontinued this product. The terms below are as last verified, kept for people who held it — it appears in no ranking and has no application link.
No annual fee
Why people consider it
- 3x on Dining.
- 2x on Travel.
- Points transfer to 4 airline and hotel partners.
Welcome offer
No longer offered
Closed to new applications
This card is discontinued — kept for reference if you held one.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$1,283/year
for the sample household ($4,800/month) · points at typical value
- Full annual fee:
- none
- Major trade-offs:
- Retired 2026-02-06 — no new applications Remaining Wells Fargo accounts became a Wells Fargo Autograph Visa (new card number) on 2026-02-07
Detailed research
Full reward table and category caps
Rent paid through Bilt (no transaction fee; 5 card transactions a month were required)
Restaurants
Travel
Point value: ~1.8¢ each
Optional benefits and credits
Perks (not counted in our math)
Reported rent payments to the credit bureaus
Redemption and transfer information
Points transfer to 4 airline and hotel partners — often where the highest redemption values live.
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Closed to new applicants — the terms here are as last verified, kept for people who hold it.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Wells Fargo's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 1x on rent with no transaction fee — its signature feature while it existed
- + 3x dining and 2x travel on everyday spend
- + No annual fee
Cons
- - Retired 2026-02-06 — no new applications
- - Remaining Wells Fargo accounts became a Wells Fargo Autograph Visa (new card number) on 2026-02-07
- - Points stayed in the holder's Bilt account; the current product is the Bilt Blue Card (Column N.A.)
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.