US
Wells Fargo
Wells Fargo Bilt Mastercard
๐Ÿ‡บ๐Ÿ‡ธ United States ยท Wells Fargo

Wells Fargo Bilt Mastercard

Pay rent without fees, only no-fee card that earns points on rent.

4.5 / 5
Joining fee
$0
Annual fee
$0
Top reward
3%
Min income
None stated

External link to Wells Fargoโ€™s own application page.

The Wells Fargo Bilt Mastercard has no annual fee. It earns 3% on travel and 1% on everything else. Forex markup is 0%. These figures are from our catalog and have not yet been re-verified against the issuer.

5-year value calculator

How much Wells Fargo Bilt Mastercard actually pays you over time, net of annual fees.

$1,500

Includes 40% in this card's boost category, 60% general spend.

Annual rewards$324
Annual feeNo fee
Cumulative net value
+$1,620
over 5 years
Year 1
$324
+$324/yr
Year 2
$648
+$324/yr
Year 3
$972
+$324/yr
Year 4
$1,296
+$324/yr
Year 5
$1,620
+$324/yr
Year 1 (with bonus)
$324
Year 2+ (steady state)
$324/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

What does the Wells Fargo Bilt Mastercard earn?

What you earn back, by category.

travel
3%
๐Ÿ“ˆ
dining
2%
๐Ÿ“ˆ
Everything else
1%
๐Ÿ“ˆ
๐ŸŽ
Welcome bonus

No welcome bonus, value lives in rent payments

What do you get with the Wells Fargo Bilt Mastercard?

  • 1x points on rent (up to 100K points/year, no transaction fee)
  • 3x on dining
  • 2x on travel
  • 1x on everything else
  • Transfer to 14 airline + hotel partners
  • No annual fee, no foreign transaction fees

Who qualifies for the Wells Fargo Bilt Mastercard?

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
No stated requirement
Min credit score
670+
Self-employed
Eligible

Wells Fargo Bilt Mastercard FAQ

โ€บWhat is the Wells Fargo Bilt Mastercard annual fee?

The Wells Fargo Bilt Mastercard has no annual fee.

โ€บWhat does the Wells Fargo Bilt Mastercard earn?

It earns 3% on travel and 1% on everything else.

โ€บWhat is the Wells Fargo Bilt Mastercard forex markup?

The Wells Fargo Bilt Mastercard charges 0% forex markup on foreign-currency spends.

โ€บWhat income do you need for the Wells Fargo Bilt Mastercard?

Wells Fargo publishes no minimum income requirement for this card; approval rests on your credit profile.

โ€บWhat is the Wells Fargo Bilt Mastercard welcome bonus?

No welcome bonus, value lives in rent payments.

โ€บAre these Wells Fargo Bilt Mastercard figures verified?

These figures are from our catalog and have not yet been re-verified against the issuer.