Bilt Mastercard
Wells FargoNo annual feeWorld Elite MastercardNo foreign transaction fee
Not open to new applicants.
Already have it? Keep it.
No longer offered
This card has been retired. The details below are kept for reference.
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$117 |
| Annual fee | $0 |
| First year | $117 |
| Each year after | +$297 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Dining | 4.7% |
| 2X | Travel | 3.1% |
| 3X | Lyft | 4.7% |
| 1X | Rent paymentsone payment per month, up to 100K points per year | 1.6% |
| 1X | Everything else | 1.6% |
Personal card · Earns Bilt Rewards
Benefits
Protections (5)
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per traveler per trip for covered trip cancellation or interruption events
- Trip Delay Reimbursement, up to $1,800, Up to $200 per day for up to 3 days ($1,800 max per trip) for delays exceeding 6 hours
- Auto Rental Collision Damage Waiver (primary), up to $50,000, Up to $50,000 for collision damage and theft (primary coverage, up to 31 consecutive days)
- Cell Phone Protection, up to $800, Up to $800 per claim, $1,600 per year (max 2 claims) with $25 deductible
- Purchase Protection, up to $10,000, Up to $10,000 per item for theft or damage within 90 days of purchase
Other Perks
- Ability to pay rent and earn rewards without fees (must make 5 transactions per statement period to earn points)
- Redeem points for 1.25 cents per point through Bilt's travel portal
- Monthly 'Rent Day' promo: double points on non-rent purchases on the 1st of each month (6X dining, 4X travel, 2X other) up to 1,000 bonus points per month
- $5 Lyft credit for taking 3 eligible rides per month with the card
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.