Wells Fargo Bilt
- Annual fee
- None
- Earns
- Wells Fargo Rewards points
- Point value
- 1.65 CPP
Welcome offer
Wells Fargo no longer takes new applications for this card, so there's no welcome offer. Existing cardholders keep its earning and benefits.
Earning rates
| Category | Earns | Return |
|---|---|---|
| Travel | 2x | 3.3% |
| Dining | 2x | 3.3% |
| Groceries | 1x | 1.65% |
| Gas | 1x | 1.65% |
| Everything else | 1x | 1.65% |
Return is what each $1 of spend is worth with points valued at 1.65 CPP.
Transfer partners for Wells Fargo Rewards points
| Partner | Ratio | Transfer time |
|---|---|---|
| Aer Lingus | 1:1 | Almost Instant |
| Avianca Airlines | 1:1 | Almost Instant |
| British Airways | 1:1 | Almost Instant |
| Cathay Pacific | 1:1 | 7 days |
| Choice | 1:2 | Almost Instant |
| Flying Blue AIR FRANCE KLM | 1:1 | Almost Instant |
| Iberia | 1:1 | Almost Instant |
| JetBlue | 1:1 | Almost Instant |
| Virgin Atlantic | 1:1 | Almost Instant |
| Virgin Red | 1:1 | Almost Instant |
| Wyndham Rewards | 1:2 | Almost Instant |
Application rules
Counts toward 5/24
Opening it takes one of your Chase 5/24 slots.
Closed to new applicants
The Wells Fargo Bilt Mastercard ended in February 2026. Bilt cards are now the Bilt Blue, Obsidian and Palladium, issued by Column N.A. and serviced by Cardless.
Card conversion
Wells Fargo turned Bilt Mastercard accounts into the Wells Fargo Autograph Card in February 2026. Having had the old card doesn't stop you from getting a Bilt Blue, Obsidian or Palladium welcome bonus.
About the Wells Fargo Bilt
The Wells Fargo Bilt is a personal Mastercard card from Wells Fargo with no annual fee that earns Wells Fargo Rewards points. Wells Fargo no longer takes new applications for it, but existing cardholders keep it. It earns 2x on travel, 2x on dining and 1x on everything else. Points transfer to 11 airline and hotel partners, including Aer Lingus, Avianca Airlines and British Airways. AwardHack values Wells Fargo Rewards points at 1.65 CPP.
Frequently asked questions
What is the Wells Fargo Bilt annual fee?
The Wells Fargo Bilt has no annual fee.
Does the Wells Fargo Bilt include airport lounge access?
No, the Wells Fargo Bilt doesn't include airport lounge access.
Does the Wells Fargo Bilt count toward Chase 5/24?
Opening it counts as one of your 5/24 slots.
Where can I transfer Wells Fargo Rewards points?
To 11 partners: Aer Lingus (1:1), Avianca Airlines (1:1), British Airways (1:1), Cathay Pacific (1:1), Choice (1:2), Flying Blue AIR FRANCE KLM (1:1), Iberia (1:1), JetBlue (1:1), Virgin Atlantic (1:1), Virgin Red (1:1) and Wyndham Rewards (1:2).
Similar cards
Wells Fargo Autograph
Wells Fargo · No annual fee
Wells Fargo Autograph Journey
Wells Fargo · $95 a year
Wells Fargo Signify Business Cash
Wells Fargo · No annual fee
Wells Fargo Active Cash
Wells Fargo · No annual fee
Wells Fargo Choice Privileges
Wells Fargo · No annual fee
Wells Fargo Choice Privileges Select
Wells Fargo · $95 a year
Offers, fees and benefits change often. Check the issuer's site before you apply.