Wells Fargo · Mastercard · personal · discontinued · Bilt Points
Review the linked sources below for offer details and eligibility.
Earning
| Dining & restaurants | 3x | 6.15% |
| Travel (general) | 2x | 4.1% |
| Rent
1x on rent paid through Bilt with no transaction fee, up to 100,000 points per year (raised from 50,000); a minimum of 5 purchases per statement period was required to earn any points (rent counts as one)
up to $100,000/year
|
1x | 2.05% |
| Everything else | 1x | 2.05% |
Right column: value per $ at travel valuation (2.05¢/pt). Cash out ~0.55¢; 1.25¢ on Bilt Travel; ~2¢ via Hyatt / airline transfers.
Credits
None.
Benefits
- No foreign transaction fees
- 1:1 transfers to Hyatt, American, United, Alaska, Air Canada, Air France-KLM, Virgin Atlantic and more — 1:1 to American, World of Hyatt, Aeroplan, Emirates, Flying Blue, Turkish, Virgin Atlantic, Hawaiian, Cathay Pacific, IHG, United, Southwest, JAL (per 2023 review; Alaska added later)
- Rent Day (1st of month): double points on non-rent purchases — On the 1st of each month: 6x dining, 4x travel, 2x other purchases; max 1,000 bonus points per month
- Cell phone protection — Up to $800 per claim, 2 claims/yr, $25 deductible
- Lyft and Walgreens partner perks
- No annual fee
Protections
| purchase protection | 90 days, up to $10,000 per claim |
| trip cancellation | Up to $5,000 |
| trip delay | Up to $200/day, max $1,800, after 6 hours |
| rental car | primary |
| cell phone | Up to $800 per claim, 2 claims/yr, $25 deductible |
| travel accident | Up to $1,000,000 |
Notes
DISCONTINUED. Wells Fargo stopped accepting applications 2025-11-05 and the Wells Fargo-issued card stopped working 2026-02-06. Cardholders who opted in (deadline 2026-02-01) moved to a Cardless-serviced, Column N.A.-issued Bilt 2.0 card (Bilt Blue $0 / Obsidian $95 / Palladium $495, functional 2026-02-07) keeping their points and card number; accounts not migrated were automatically converted to a no-annual-fee Wells Fargo Autograph Card. See the bilt-blue, bilt-obsidian and bilt-palladium records. Earn structure above is the card's last published terms (no official signup bonus; some accounts got 5x for the first 5 days, max 50,000 points). Web-verified 2026-09-08 against https://www.doctorofcredit.com/bilt-rewards-credit-card-full-review-earn-valuable-rewards-with-rent-payments-to-any-landlord-more/ and https://thepointsguy.com/credit-cards/reviews/bilt-mastercard-review/.
Verified 2026-09-08 · confidence medium · sources: 1, 2, 3, 4, 5