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Bilt Mastercard®

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On Wells Fargo's Secure Website

Bilt Mastercard®
4.1

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 28.74% Variable APR

Buy Now, Pay Later N/A

N/A

Credit Score

670-850 (Good/Excellent)

Rewards Earn 3x points on dining, 2x points on travel, 1x points on rent payments without the transaction fee (up to 100,000 points each calendar year), and 1x points on all other purchases. Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on all other purchases (except rent) up to 10,000 points per month. Note: You will earn points and double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you'll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.

1x - 6x Points

Welcome Offer N/A

N/A

  • 3x Points: On dining.
  • 2x Points: On travel.
  • 1x Points: On rent payments without the transaction fee, up to 100,000 points each calendar year.
  • 1x Points: On all other purchases.
  • Double Points: Enjoy double points on the 1st of each month and earn 6x points on dining, 4x points on travel, and 2x points on other purchases (except rent), up to 10,000 points per month.
  • Note: You will earn points and also double points on the 1st of each month when you make 5 transactions that post each statement period. If you do not make at least 5 transactions that post to your account in a statement period, you’ll earn a flat 250 points when you use your Bilt Mastercard to pay rent through the Bilt App.
  • Annual Fee: None.
  • Foreign Transaction Fees: None.
  • Redeem Points: Use your Bilt points to cover your next month rent payment or save your points and put them towards a down payment. You also can redeem your points for travel and fitness, or shop at the Bilt Collection and Amazon.com, and more. Redemption rates may vary.
  • Transfer Your Points: 1:1 to Bilt partners.
  • Bilt Rewards Status: Points earned with the Bilt Mastercard will count towards your Bilt Rewards status.
  • Cell Phone Protection: Get up to $800 of protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Purchase Protection: Covers new purchases for 90 days against damage or theft, up to $10,000 per claim and $50,000 per calendar year per account.
  • Lyft (Offer ends on 9/30/25): pay for three eligible Lyft Rides in a calendar month to receive a $5 Lyft credit.
  • Travel Benefits: Include Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver, World Elite Mastercard Concierge, Travel and Lifestyle Services, Hotel Stay Guarantee, Airport Concierge™, and Golf Travel Packages.
  • Additional Features: Include BiltProtect, the ID theft protection program, purchase security, and Global Service™.
  • Regular APR: 20.74% - 28.74% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Click ‘Apply Now’ to see the full terms and conditions.
The Bilt Mastercard® is the first and the only credit card to let you pay rent without a transaction fee and offers rewards for paying rent. Great additions are cell phone protection, purchase protection, and travel benefits and perks.