Bilt Mastercardmastercard

The original Bilt World Elite Mastercard carries a $0 annual fee.

Earns 1x rent, 1x other, 3x dining, 2x travel.

Earns 1 point per $1 on rent with no transaction fee, capped at 100,000 points per calendar year, 1 point per $1 on other purchases, with double points on dining and travel on the 1st of each month (Rent Day).

The card charges no foreign transaction fees on purchases made abroad.

The original no-annual-fee Bilt World Elite Mastercard issued by Wells Fargo stopped accepting new applications on November 5, 2025 and is being discontinued, replaced by the Bilt Card 2.0 lineup (Blue, Obsidian, Palladium) launched February 7, 2026.

Bilt points transfer to 19 airline and 6 hotel loyalty programs, nearly all at a 1:1 ratio, with Accor Live Limitless being the exception at 3:2; partners include United MileagePlus, Air Canada Aeroplan, Air France-KLM Flying Blue, Virgin Atlantic, Turkish Miles&Smiles, Japan Airlines, World of Hyatt, Hilton Honors, IHG One Rewards and Marriott Bonvoy.

Trips booked with the card carry travel benefits including trip cancellation protection and trip delay reimbursement.