Bilt Mastercard®
The Bilt Mastercard® from Wells Fargo earns up to 1.7% effective value on dining in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Dining
- Effective value
- 1.7%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Bilt Mastercard earn in each category?
Dining is the strongest category at 1.7% effective value (3x points at about 0.5 cents each). That dining rate ranks higher than about 28% of the 1,547 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Dining is the strongest category at 1.7% effective value (3x points at about 0.5 cents each). That dining rate ranks higher than about 28% of the 1,547 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3x points | 1.7% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 0.5% |
| Gas Gas stations and fuel | 1x points | 0.5% |
| Travel Flights, hotels, transit | 1x points | 0.5% |
| Other General everyday spend | 1x points | 0.5% |
Madeen values Wells Fargo Bilt Rewards at about 0.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Bilt Mastercard reward caps and conditions?
The Bilt Mastercard has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- 3X points on dining purchases (double points on the first day of every month)
Who should get the Bilt Mastercard?
The Bilt Mastercard fits spenders who put meaningful volume in dining and can earn 3x points. Best for spenders who put meaningful volume in dining and can earn 3x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Bilt Mastercard fits spenders who put meaningful volume in dining and can earn 3x points. Madeen ranks its dining effective rate higher than about 28% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 3x points.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is dining at about 1.7% effective (3x points).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Wells Fargo Bilt Rewards value depends on how you redeem, not straight cash back.
Does the Bilt Mastercard have an annual fee, and what's the welcome bonus?
The Bilt Mastercard has an annual fee of $0 and a foreign transaction fee of None. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- None
What benefits come with the Bilt Mastercard?
The Bilt Mastercard includes Auto Rental Collision Damage Waiver, Double Points, Global emergency services in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Auto Rental Collision Damage Waiver
Receive auto coverage for covered damages due to collision or theft for most rental cars when you pay for the rental transaction with the Bilt Mastercard.
- Double Points
DOUBLE POINTS ON THE 1st OF EACH MONTH - Earn 6X points on dining, 4X points on travel, and 2X points on other purchases (except rent).
- Global emergency servicesIncluded with World Elite Mastercard®
Call 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
- HealthLockIncluded with World Elite Mastercard®
Enroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
- InstacartIncluded with World Elite Mastercard®
Groceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+. Offer expires 1/31/2027.
- LyftIncluded with World Elite Mastercard®
More rides means more adventure. Take three rides in a month with Lyft to earn a $5 credit.3* Plus, save 10% on all scheduled rides to or from U.S. airports when you pay with your World Elite or World Legend Mastercard. Offer expires 1/31/2027.
- Lyft Credits
Take 3 rides in one calendar month, get a $5 Lyft credit with your Bilt Mastercard® through 3/31/24,
- Mastercard GolfIncluded with World Elite Mastercard®
Get exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Common questions about the Bilt Mastercard
Does the Bilt Mastercard have an annual fee?
The Bilt Mastercard carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Bilt Mastercard?
Dining is the strongest Madeen category for the Bilt Mastercard at about 1.7% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Bilt Mastercard charge foreign transaction fees?
The Bilt Mastercard does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Bilt Mastercard?
Madeen's catalog lists a typical credit range of Good to Excellent for the Bilt Mastercard. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Bilt Mastercard?
Rewards on the Bilt Mastercard post as Wells Fargo Bilt Rewards. Redemption value depends on how you use Wells Fargo Bilt Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Bilt Mastercard?
To maximize the Bilt Mastercard, route dining and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Bilt Mastercard compare to similar cards?
Compare the Bilt Mastercard against One Key (3% on Dining, $0 fee); One Key+ (3% on Dining, $99 fee); Wells Fargo Autograph℠ (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Bilt Mastercard This card | Dining | 1.7% | $0 |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $99 |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
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