COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
|
Wells Fargo
Bilt
MC
Wells Fargo remove | |
|---|---|
| Annual fee | $0 |
| Foreign txn fee | 0% |
| Rewards | Bilt Points |
| Credits (realistic / face) | $0 / $0 |
| Earning by category | |
| Everything else | 2.05% 1x Bilt pts |
| Dining & restaurants | 6.15% 3x Bilt pts |
| Food delivery apps | 6.15% 3x Bilt pts |
| Travel (general) | 4.1% 2x Bilt pts |
| Airfare (booked direct) | 4.1% 2x Bilt pts |
| Hotels (booked direct) | 4.1% 2x Bilt pts |
| Vacation rentals | 4.1% 2x Bilt pts |
| Rental cars | 4.1% 2x Bilt pts |
| Cruises | 4.1% 2x Bilt pts |
| Transit | 4.1% 2x Bilt pts |
| Rideshare | 4.1% 2x Bilt pts |
| Parking & tolls | 4.1% 2x Bilt pts |
| Issuer travel portal | 4.1% 2x Bilt pts |
| Online travel agencies | 4.1% 2x Bilt pts |
| Protections | |
| rental car | primary |
| cell phone | Up to $800 per claim, 2 claims/yr, $25 deductible |
| purchase protection | 90 days, up to $10,000 per claim |
| extended warranty | — |
| trip cancellation | Up to $5,000 |
| trip delay | Up to $200/day, max $1,800, after 6 hours |
| baggage delay | — |
| return protection | — |
| Benefits | |
| No foreign transaction fees | ✓ No foreign transaction fees |
| Transfer partners (airlines/hotels) | ✓ 1:1 transfers to Hyatt, American, United, Alaska, Air Canada, Air France-KLM, Virgin Atlantic and more |
| Other | ✓ Rent Day (1st of month): double points on non-rent purchases |
| Cell phone protection | ✓ Cell phone protection |
| Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.) | ✓ Lyft and Walgreens partner perks |
| No annual fee | ✓ No annual fee |