Wells Fargo Bilt Mastercard®: revolutionizing rent payments

Maximize your living expenses with points on rent, travel, and dining, plus exceptional benefits, all with no annual fee

The Wells Fargo Bilt Mastercard® is a groundbreaking financial tool designed for renters, allowing them to earn valuable points on rent payments without transaction fees.

Targeted at individuals who want to transform their biggest monthly expenditure into rewards, this card facilitates earning on everyday purchases, travel, and dining.

Its unique proposition lies in turning rent payments into an opportunity for financial growth, setting it apart in the competitive credit card rewards programs landscape.




  • Rewarding rent payments: Gain 1X points per dollar on rent with the Wells Fargo Bilt Mastercard®, amassing up to 100,000 points yearly, devoid of transaction fees.
  • Enhanced travel and dining: Earn 2X points on travel and 3X on dining, positioning it as a top mastercard rewards contender.
  • Zero fees advantage: No annual or foreign transaction fees, marking it as a leading best of the best credit cards.
  • Flexible redemption options: Utilize points for rent, travel, or unique items from the Bilt Collection, reflecting its versatility in credit card reward programs.
  • Seamless digital banking: Access and control your finances smoothly through Wells Fargo’s online services, a highlight among Wells Fargo credit cards.
  • Robust protection: Insurance for travel situations, automobiles, and cell phone protection are standard, increasing their value in the MasterCard credit card space.


  • Points cap: Annual points on rent are capped, necessitating strategic spending to maximize rewards.
  • Transaction requirement: Earning points requires a minimum of five transactions monthly, a key consideration for potential cardholders.
  • Reward diversity: While strong in rent, travel, and dining, those seeking broader cashback options might explore additional Wells Fargo bank credit card offerings.

Eligibility criteria for the Wells Fargo Bilt Mastercard®

To qualify for the Wells Fargo Bilt Mastercard®, a good credit score is pivotal. Wells Fargo, renowned for its Wells Fargo credit cards, evaluates more than just credit scores:

  • Credit history and score: A robust credit history and high credit score are essential, reflecting financial responsibility.
  • Income stability: Demonstrable stable income is crucial for approval, with Wells Fargo assessing the ability to manage credit repayments.
  • Identification and residency: A Social Security number or ITIN, along with a physical U.S. address, is required, aligning with federal regulations.
  • Banking relationship: Having a Wells Fargo account may enhance approval chances but is not mandatory.

Applicants should review their credit report for accuracy before applying. Understanding one’s financial health and aligning with the card’s benefits ensures a higher chance of approval and maximizes the card’s value, especially for those seeking credit card rewards programs and mastercard rewards.


About Wells Fargo Bank

Wells Fargo, founded in 1852, has solidified its presence as a stalwart in the financial sector, offering a plethora of services like Wells Fargo credit cards, mortgages, and investment solutions.

Particularly known for the Wells Fargo Bilt Mastercard®, it caters to diverse financial needs, ensuring robust credit card rewards programs and mastercard rewards.

With a legacy of trust and service, Wells Fargo stands as a pillar of financial reliability, embracing innovation and customer satisfaction, making it a top choice for consumers globally.


Ideal Candidates for the Wells Fargo Bilt Mastercard®

The Wells Fargo Bilt Mastercard® is ideal for renters seeking to earn rewards on their largest monthly expense. It suits those who:

  • Value rewards on rent without extra fees;
  • Frequently spend on dining and travel, earning multiple points;
  • Are new to credit and want a card that offers more than just basic benefits;
  • Aim to use rewards for various purposes, including travel and lifestyle perks;
  • Prefer managing finances through advanced digital platforms.

This card offers a unique blend of utility and value, making it a strategic choice for a wide range of consumers.

How to apply for the Wells Fargo Bilt Mastercard®

Applying for the Wells Fargo Bilt Mastercard® is straightforward:

  1. Check Requirements: Must be at least 18 years old, with the specific age requirement varying by state, and a resident of the United States or its territories.
  2. Online Application: Visit the official Bilt Rewards application page.
  3. Fill in Details: Provide the required personal and financial information in the application form.
  4. Submit for Review: Once completed, submit your application for Wells Fargo’s assessment and await their decision.

If you encounter any difficulties during the application process, assistance is available via the chatbot on the Bilt Rewards website or mobile app. This ensures a user-friendly experience and immediate support for potential applicants.

Points positives and negatives: about credit card


  • Generous rewards: The card offers the opportunity to earn up to 100,000 points annually on rent payments with no transaction fees.
  • Travel and dining benefits: Cardholders receive double points on travel and three times more points on dining spending, which can be attractive to travelers and food enthusiasts.
  • Lack of annual fees and foreign transaction fees: The lack of annual fees and foreign transaction fees can make this card more economical for cardholders who travel internationally or want to avoid extra fees.
  • Ease of application: The application process is described as simple and straightforward, which may be attractive to consumers looking for convenience.


  • Minimum transaction requirement: The minimum requirement of five monthly transactions to earn points may be a barrier for some cardholders, especially those who prefer to use the card less frequently.
  • Limited diversity of rewards: While the card offers rewards in specific categories like rent, travel, and dining, it may not be the best option for those who want a wider variety of redemption options or benefits in other areas of spending.
  • Variable interest rates: Variable interest rates can be a problem for cardholders who carry balances on their cards, especially those with less favorable credit, as they may end up paying higher interest rates over time.

Activating your Wells Fargo Bilt Mastercard®

To activate your Wells Fargo Bilt Mastercard®, follow these steps:

  1. Receive your card: Wait for the card to arrive in the mail after approval.
  2. Online activation: Visit the Wells Fargo activation page or use the Bilt Rewards app.
  3. Enter details: Provide your card number and personal information as prompted.
  4. Complete activation: Follow the on-screen instructions to activate your card and start earning rewards on your rent and other purchases.

Fees and Charges

For the Wells Fargo Bilt Mastercard®, there’s no annual fee, and the APR for purchases and balance transfers ranges from 21.49% to 29.49%, depending on creditworthiness. Cash advances have a 29.24% APR.
Interest can be avoided on purchases by paying the full balance by the due date each month.

Transaction fees are up to 5% for balance transfers and 5% or $10 (whichever is greater) for cash advances, with no foreign transaction fees. Late payments may incur fees up to $40​​.Find out more about the rates and fees for this card here.

Bilt Mastercard® app experience

Elevate your financial journey with the Bilt Mastercard® app, celebrated for its intuitive design and extensive functionalities. High user satisfaction ratings highlight its smooth navigation and comprehensive features like robust account management and detailed transaction monitoring.

Available on the Apple App Store and Google Play Store, this app enhances the Wells Fargo Bilt Mastercard® user experience, offering advanced security and convenient access to manage rewards and account details efficiently.


Customer Service

For Wells Fargo’s Bilt Mastercard® customer service, you can contact them through the following methods:

  • Phone Support: Call 1-800-642-4720 for assistance with card-related inquiries.
  • Chat Support: Access support through Wells Fargo’s website or the mobile app for managing your account, reporting lost or stolen cards, and other services.

These options ensure you can reach customer service conveniently for any needs related to your Bilt Mastercard®.

Did you like the tip? Discover other credit cards for US residents on our website.