Wells Fargo Bilt Mastercard
The Wells Fargo Bilt Mastercard is a no-annual-fee card that earns rewards on rent and everyday spending, redeemable for travel or a future home.
By: Zienic
Earn Points on Rent
Earn 1X point per dollar on rent payments without any transaction fees (up to 100,000 points per year).
Bonus Categories
Get 3X points on dining, 2X on travel, and 1X on all other purchases.
No Annual Fee
Enjoy all the benefits of this card without paying an annual fee.
Exclusive Bilt Rewards Access
Get access to the Bilt Rewards ecosystem, where points can be transferred to top travel partners or even used toward homeownership.
Why the Wells Fargo Bilt Mastercard Is a Game-Changer for Renters
For many people, rent is their largest monthly expense—but traditionally, paying it hasn’t helped build rewards or credit. That changes with the Wells Fargo Bilt Mastercard. With this card, you can finally earn rewards on your rent payments with no added transaction fees. Just link your card through the Bilt app and pay your landlord through Bilt Pay—even if they don’t accept credit cards. Beyond rent, the Bilt Mastercard brings serious value to the table. You’ll earn 3X points on dining (perfect for foodies), 2X on travel (great for frequent flyers), and 1X on everything else. Points can be redeemed for travel through a variety of airline and hotel partners, or you can use them for fitness classes, home decor, or even a future mortgage down payment through Bilt’s exclusive platform. Add in perks like cell phone protection, trip cancellation insurance, and no foreign transaction fees, and you’ve got a powerful, well-rounded card with no annual fee. Whether you’re a renter who loves to travel or someone just looking to maximize everyday purchases, this card is worth a serious look.
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Can I really earn points on rent with no fees?
Yes! As long as your rent is paid through the Bilt platform, you can earn 1X point per dollar without paying any transaction fees.
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Is there an annual fee?
No, the Wells Fargo Bilt Mastercard has no annual fee.
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What credit score is needed to apply?
You’ll typically need a good to excellent credit score—around 670 or higher—to qualify.
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How do I pay rent with the card if my landlord doesn’t accept credit cards?
Use Bilt Pay. They’ll mail a check or send an ACH transfer to your landlord, while charging the rent to your Bilt Mastercard.
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Can I transfer points to airline and hotel partners?
Yes! Bilt points can be transferred to top travel partners like American Airlines, World of Hyatt, and more at a 1:1 ratio.
How to Apply for the Wells Fargo Bilt Mastercard
Applying for the Wells Fargo Bilt Mastercard is easy and fully digital. Start by heading to the Bilt Rewards website or Wells Fargo's official page. There, you’ll find a straightforward application form asking for basic info like your name, address, Social Security number, and income. The application process usually takes only a few minutes, and in many cases, you’ll get an instant decision. Keep in mind that this card is designed for applicants with good to excellent credit (usually a score of 670+). If approved, your card will be mailed to you within 7–10 business days. Once you receive it, you can activate it and link it to your Bilt Rewards account to begin earning points right away. If your landlord isn’t part of the Bilt Rewards Alliance, don’t worry. You can still use the Bilt Pay platform to pay rent via check or ACH on your behalf, while you charge the amount to your card. It’s one of the few ways to earn points on rent without extra fees—making the Bilt Mastercard a rare and valuable option in today’s market.