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 after $6,000 spend. Points transfer 1:1 to airline and hotel partners.
Our Verdict
The Bilt is a points rewards card from Wells Fargo that carries a no annual fee on the visa network. At its core it earns 1.0X Rewards Points on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Bilt. Rewards Points can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
Combined with the current signup offer of Varies, With no annual fee, there is virtually no downside to keeping this card long-term even as a backup. It adds to your credit history and earns rewards at zero ongoing cost.
Apply for the Bilt →Rewards Structure
Fee Analysis
The Bilt has no annual fee, making it an excellent choice for anyone who wants rewards without a yearly cost. There is no break-even spending threshold to worry about — every dollar of rewards is pure value.
Where This Card Earns Bonus Rewards
| Category | MCC Code | Bonus Rate | Example Merchants |
|---|---|---|---|
| Dining | 5812 Eating places and Restaurants | 3x | Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque |
| Dining | 5813 Drinking Places (Alcoholic Beverages), Bars, Taverns, Cocktail lounges, Nightclubs and Discotheques | 3x | AMF Bowling Centers, Angry Orchard, Applebee's Bar, Bar Louie |
| Dining | 5814 Fast Food Restaurants | 3x | Arby's, Arby's - Albuquerque, Arby's - Anaheim, Arby's - Anchorage |
| Travel | 4112 Passenger Railways | 2x | Amtrak, Deutsche Bahn, Eurostar, Loco2 |
| Travel | 4121 Taxicabs and Limousines | 2x | Alto, Arro, Bolt, Cabify |
| Travel | 4131 Bus Lines, Including Charters, Tour Buses | 2x | Barriere Bus Lines, BoltBus, Coach USA, FlixBus |
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Signup Bonus Value
Benefits
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
- High variable APR up to 31.24%
How to Apply
You can apply for the Bilt directly through Wells Fargo's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision.
Before applying, check if you are pre-approved on Wells Fargo's website — a pre-approval uses a soft pull and does not affect your credit score.