thumb_up Why the Wells Fargo Bilt Mastercard Might Be the Smartest Card in Your Wallet

The Wells Fargo Bilt Mastercard is filled with practical perks for modern consumers. From earning rewards on rent to elite travel benefits, this no-annual-fee card is built to maximize your lifestyle. You’ll earn points on rent, dining, travel, and everyday purchases, all while enjoying valuable protections like trip cancellation insurance and cell phone coverage. Plus, Bilt Rewards partners with top travel brands for flexible redemption options. With no foreign transaction fees and Mastercard World Elite status, it’s ideal for travelers too. Best of all, it turns your rent into an investment—earning points instead of just spending cash.

• done Earn points on rent payments (up to 100,000/year)
• done No annual fee and no foreign transaction fees
• done Flexible rewards with top travel transfer partners
• done Includes travel protections and cell phone insurance

thumb_down A Few Things to Consider Before Applying

While the Wells Fargo Bilt Mastercard offers standout features, there are a few limitations to keep in mind. First, you must use the card at least five times each billing cycle to earn points—a simple but crucial rule. Also, the card doesn’t offer a traditional welcome bonus, which may be a letdown for deal hunters. Rent payments don’t count toward your credit utilization either, which could impact credit-building goals. Lastly, not all landlords may be compatible with the payment process, although Bilt offers workarounds. Still, for the right user, these drawbacks are relatively minor.

• close No welcome bonus for new cardholders
• close Must use the card 5x/month to earn rewards
• close Rent payments don’t count toward credit utilization

help How to Apply for the Wells Fargo Bilt Mastercard in Just a Few Minutes

Getting the Wells Fargo Bilt Mastercard is quick and straightforward. You’ll need to apply through the Bilt Rewards platform or directly via Wells Fargo’s website. The process includes checking eligibility, filling in personal and financial information, and consenting to a credit check. Approval is often instant, and your physical card should arrive within a few business days. To get started, make sure you have a decent credit score (generally good or better) and proof of income. Once approved, download the Bilt app to link your rent account and start earning rewards right away—yes, even on next month’s rent!

1. Visit the Bilt Rewards website or Wells Fargo’s official site.
2. Click on “Apply Now” and begin the secure application process.
3. Enter your personal information (name, address, SSN, etc.).
4. Provide financial details like income and employment status.
5. Consent to a credit check and submit your application.
6. If approved, expect your card in the mail within 7–10 days.

The Wells Fargo Bilt Mastercard stands out by doing what no other major credit card does: giving you points for paying rent. Since rent is often your largest monthly expense, being able to earn rewards on it—without paying a fee—is a major advantage. Most cards charge a hefty fee to pay rent via credit, but with Bilt, that’s history. Every month, you can earn rewards simply by paying rent (up to 100,000 points per year), eating out, booking travel, and even on Lyft rides. As long as you use the card five times per billing cycle, you unlock full earning potential. The Bilt Rewards ecosystem also adds depth. Your points are highly valuable and transferrable to travel partners like United, American Airlines, Hyatt, and more. If you prefer flexibility, you can redeem for fitness classes, future down payments, or statement credits. Though there’s no sign-up bonus, the ongoing value is hard to beat. With no annual fee, you’re getting a premium rewards experience without the premium price tag. Travel protections, zero foreign transaction fees, and cell phone coverage add even more value.