Wells Fargo
Bilt Mastercard (Legacy)
Annual Fee
$0
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Card data last reviewed 2026-05-04
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$546/yr
$546 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$791/yr
$791 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$858/yr
$858 rewards
Rewards by Category
Dining
3x
Grocery
1x
Gas
1x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
1x
Rideshare
2x
Streaming
1x
Amazon
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.8 cents per point
The Fine Print That Changes the Math
1X on rent (up to 100k/year), 2X on travel, 3X on dining, 1X other. Must make 5+ transactions/month to earn points. Legacy card being retired in 2026.
Bilt Mastercard (Legacy) FAQ
What is the Bilt Mastercard (Legacy) annual fee?
The Bilt Mastercard (Legacy) has no annual fee.
What are the best spending categories for the Bilt Mastercard (Legacy)?
3x on dining, 3x on fast food, 2x on flights. Everything else earns 1x.
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Sources & Verification
Card data last reviewed 2026-05-04.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.