Bilt Mastercard®
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
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.
- Top category
- Dining
- Effective value
- 1.7%
- Annual fee
- $0
Best for dining-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 3% back.
What does the Bilt Mastercard earn in each category?
Dining is the strongest category at 1.7% effective value (3% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bilt Mastercard compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight coffee at 3x among the top bonus categories.
Dining is the strongest category at 1.7% effective value (3% back). That dining rate ranks higher than about 59% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Bilt Mastercard compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 3% back | 1.7% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 0.5% |
| Gas Gas stations and fuel | 1% back | 0.5% |
| Travel Flights, hotels, transit | 1% back | 0.5% |
| Other General everyday spend | 1% back | 0.5% |
Madeen values cash back 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.
- 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 3% back. Best for spenders who put meaningful volume in dining and can earn 3% back.
Bilt Mastercard fits spenders who put meaningful volume in dining and can earn 3% back. Madeen ranks its dining effective rate higher than about 59% 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 3% back.
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.
Pros
- Strongest Madeen category is dining at about 1.7% effective (3% back).
- No annual fee in our catalog snapshot.
- No foreign transaction fee listed.
Cons
- Compare simpler no-fee cards if you want minimum complexity.
Does the Bilt Mastercard have an annual fee?
The Bilt Mastercard has an annual fee of $0 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- 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.
Trip cancellation and interruption reimbursement
$5,000/yrOffers up to $5,000 reimbursement for a non-refundable passenger fare if your trip is interrupted or canceled for a covered reason, when your passenger fare is booked with your Bilt Mastercard®.
Trip delay protection
$5,000/yrGet reimbursed for expenses incurred, including meals, when your trip is delayed more than six hours due to covered reasons like inclement weather, mechanical breakdown of the common carrier or air traffic control delays
Lyft
$1,440/yrMore 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.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
World Elite Concierge
$150/yrComplimentary 24/7 concierge agent for lifestyle needs, travel bookings and event access.
Instacart
$140/yrGroceries 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.
Priority Pass
$99/yrGet access to 1,700+ airport lounges worldwide and special offers and discounts in the terminal on dining, retail and spa experiences.
Peacock
$36/yrGet $3 off Peacock Premium or Peacock Premium Plus each month when you use your World Elite or World Legend Mastercard to subscribe. Watch new movies from theaters, buzzworthy original series, hit TV shows, live sports and so much more. Eligibility restrictions, exclusions and terms apply. Offer expires 12/31/2027.1
Auto Rental Collision Damage Waiver
$10/yrReceive 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.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnroll in HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard Golf
$10/yrGet exclusive PGA TOUR® experiences and access amazing golf benefits with our Golf Concierge Service.
Related encyclopedia topics
Common questions about the Bilt Mastercard
Where do cardholders spend most with the Bilt Mastercard?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (3x), fast food (3x), other food and drink (3x) for the Bilt Mastercard. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
What credit score is needed for 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.
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.
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.
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.
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.
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 |
| Dining | 3% | $0 | |
| Dining | 3% | $99 | |
Wells Fargo | Dining | 3% | $0 |
Wells Fargo | Dining | 3% | $0 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Wells Fargo and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Wells Fargo. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure