Bilt Review 2026
EDITOR'S PICKUpdated Feb 16, 2026·CardStack Data Team
Quick Answer
The Bilt earns 3.0X on dining, 2.0X on travel, 1.0X on rent, 1.0X on all_purchases with a $0 annual fee. The current signup bonus is Varies. Points transfer 1:1 to airline and hotel partners.
3.9/5
Overall
4.2/5
Rewards
3.5/5
Benefits
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Rewards Structure
| Category | Rate | Effective ¢/$ | MCCs |
|---|---|---|---|
| dining | 3X pts/$ | 3.00¢ | Varies |
| travel | 2X pts/$ | 2.00¢ | Varies |
| rent | 1X pts/$ | 1.00¢ | Varies |
| all_purchases | 1X pts/$ | 1.00¢ | Varies |
| Everything Else | 1X pts/$ | 1.00¢ | All |
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Signup Bonus Value
Varies WELLS_FARGO Points
Benefits
Trip Cancellation and Interruption Insurance
$5,000
Purchase Assurance
$10,000
Extended Warranty
Included
Cell Phone Protection
$800
Financial disclaimer: CardStack is not a financial advisor. Credit card terms, APRs, and fees are set by WELLS_FARGO and subject to change. Verify all information on the issuer's website before applying.
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Strengths and Weaknesses
Strengths
- 3X top earn rate on bonus categories
- 1:1 transfer to airline and hotel partners
- No foreign transaction fees
- No annual fee
Weaknesses
- 1X base rate on non-bonus spending
Who This Card Is For
Point Maximizers
Transfer partners unlock premium redemption value
Foodies & Diners
Bonus earning on restaurants and delivery
International Travelers
No foreign transaction fees
Fee-Conscious Spenders
No annual fee to offset
Frequently Asked Questions
What credit score is needed for the Bilt?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
What is the current signup bonus for the Bilt?
The current signup bonus is Varies. Check the issuer's website for the latest offer details and spending requirements.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on February 16, 2026. Full methodology: cardstack.co/methodology.